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2025-12-31-accounts

The Charity Registration Number is :- 1174979

New Covenant Church - Camberwell

Report and Accounts

31 December 2025

New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

The Trustees present their Report and Accounts for the year ended 31 December 2025.

Reference and administrative details

The charity name.

The legal name of the charity is:- New Covenant Church - Camberwell.

The charity's areas operation and UK charitable registration.

The charity is registered in England & Wales with the Charity Commission in England & Wales (CCEW) with charity number 1174979.

The charity does not operate in any overseas jurisdictions.

Legal structure of the charity

The charity is constituted as a Charitable Incorporated Organisation (CIO) in England & Wales. The governing document of the charity is the constitution of the CIO as approved by the Charity Commission in England & Wales (CCEW) .

There are no restrictions in the governing documents on the operation of the Charity or on its investment powers other than those imposed by Charity Law.

The trustees are all individuals.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

The principal operating address of the charity is:-

9 Haverlock Road Dartford, Kent , DA1 3HY

The Trustees in office on the date the report was approved were:-

Mr Ayobami Popoola ; Mr Bolaji Aliu Ms. H. Sesay

The trustees who served as a trustee in the reporting period were as shown above, and there were no changes during the year, or in the period between the year end and the approval of the accounts.

All the trustees are also members of the charity.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

Objects and activities of the charity

The purposes of the charity as set out in its governing document.

The objectives of the Church are set out in the CIO document:

To advance the Christian Religion for the benefit of the public through the holding of prayer meetings, lectures, public celebration of religious festivals, producing and distributing literature on the Christian Faith to enlighten others about the Christian Religion.

The Short Term and Longer Objectives and Aims.

To prevent and relieve poverty for the public benefit by providing funds, goods, and services in such parts of the United Kingdom or the world as the Trustees may deem necessary from time to time. To advance the Christian Religion for the benefit of the public through the holding of prayer meetings, lectures, public celebration of religious festivals, producing and distributing literature on the Christian Faith to enlighten others about Christian Religion.

The charity's strategies for achieving its aims and objectives in the future.

The Charity intends to continue to look for opportunities to provide Cost of living support/relief in the community. The Charity focused on the health impact of the cost-of-living crisis running programs and events on Mental health. The charity will also look to expand mental health initiatives to children and young Adults. This year we provided free mental health counselling sessions to the community as part of our Easter wellness program of events.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

The main activities undertaken during the year to further the charity's purpose for the public benefit.

Public benefit

The Charity is registered in England & Wales with the Charity Commission in England & Wales (CCEW) withcharity number is: 1174979.The Board of Trustees are pleased to report as follows: The Advancement of Christian Faith

The Trustees of the Charity having due regard for the reporting of public benefit provided by the Charity in line with the Charities Act 2011, are pleased to report that the church has continued its involvement with community focused events and projects providing direct benefit for the public in the UK.

Places of Worship

The Charity has continued its commitment to the promotion of the Christian Faith by renting on a bi -weekly basis a place at Hall Place and Gardens - Bourne Road, Bexley, DA5 1PQ to provide the public with the ongoing opportunity to attend Church services enabling them to grow and develop in the Christian faith, teachings and Principles. The services are also made available via Zoom. The Hybrid model has allowed the church to extend its reach beyond just the local community.The worship activities make provision forChristiansWorshiServices,teachingsessions,discipleship classes, and prayer meetings throughout the week.The Church also operates weekly meetings in different local locations for our discipleship classes a practical strategy for using informal settings to advance Christianity in our communities.

Evangelism

Evangelism is a core value and outreach strategy of our Church to reach out to communities.We distribute Christian Tracts in the community, speak to people in parks and public places about the Christian faith, provide light refreshments in parks as we look to engage the community to drive forward the Christian faith. We also collaborate with local churches to promote picnics and summer family fun days where food and drinks are provided,as we promote Christianity in the community.

Prevent and provide Poverty Relief.As part of the work of the church, we made financial contributions to the Dartford Larder Food Bank towards the end of 2025.

Twice this year we also handed out food parcels in the community in Bexleyheath and Bexley. The trustees have had regard to the Charity Commission's guidance on public benefit in managing

The significant charitable activities undertaken in the year.

Significant activities

The Principal Activities of the Charity are Christian worship and involvement of various ministries and ministers of Religion in propagating the Christian Tenets of faith to members (and nonmembers) who seek to develop an understanding of the Gospel through the various meetings provided by the Church. There is an extension of the Christian Faith through other direct Community Outreach programmes.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

Structure, governance and management of the charity

The methods used to recruit and appoint new charity trustees.

Recruitment and appointment of new trustees

In making the appointments, the CIO's governing document is checked to ensure that the new trustees are appointed in a proper and legal way.

Preferred candidates, with the required expertise and skill set, are identified and invited to be the first charity trustees. (Subject to formal vetting and approval by the full trustee board.)

Potential trustees are vetted. Checks are carried out to ascertain candidates have not been disqualified from acting as trustees, and candidates are asked to confirm in writing that this is the case.

Candidates are asked to consider and declare any existing or potential conflicts of interest.

Appropriate checks from the Disclosure and Barring Service are conducted.

In the light of the checks and declarations, the trustees decide to go ahead and formalise the appointment of new trustees.

Trustees meet and decide on the appointment of each new Trustee and the office they hold.

The charity's organisational structure.

Governing document The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

Financial review

The charity's financial position at the end of the year ended 31 December 2025

The financial position of the charity at 31 December 2025 and comparatives for the prior period, as more fully detailed in the accounts, can be summarised as follows:-

Called up share capital
Share premium account
Designated Revenue Funds
Designated Fixed Asset Funds
Total Unrestricted Funds
Restricted Revenue Funds
Restricted Fixed Asset Funds
Total Restricted Funds
Total Funds
Unrestricted Revenue Funds available for the
general purposes of the charity
Restricted revaluation reserve
Net income
Unrestricted revaluation reserve		 2025
£
5,439
-
-
38,189
-
-
-
38,189
(24,913)
-
-
(24,913)
13,276		 2024
£
409,428
-
-
-
-
-
-
-
7,837
-
-
7,837
7,837

Financial review of the position at the reporting date, 31 December 2025 .

The trustees consider the financial performance by the charity during the year to have been satisfactory.

Availability and adequacy of assets of each of the funds

The board of trustees is satisfied that the charity's assets in each fund are available and adequate to fulfil its obligations in respect of each fund.

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

Details of The Independent Examiner

Theo Sehindemi

Member of Certified Accountants

148 Sandy Lane South Wallington Surrey SM6 9NR

Statement of Trustees' Responsibilities

The charity's trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities Act 2011 and the Charities (Accounts and Reports) Regulations 2008. Notwithstanding the explicit requirement in the extant statutory regulations,the Charities (Accounts and Reports) Regulations 2008, to prepare the financial statements in accordance with the SORP 2005, in view of the fact that the SORP 2005 has been withdrawn, the Trustees determined to interpret this responsibility as requiring them to follow current best practice and prepare the accounts according to the FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2019, applicable to all accounting periods beginning on or after 1st January 2019), (The SORP), .

In particular, charity law requires the Trustees, if they prepare accounts on an accruals basis, to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity as at the end of the financial year and of the surplus or deficit of the charity. In preparing those financial statements the Trustees are required to :-

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New Covenant Church - Camberwell

Trustees' Annual Report for the year ended 31 December 2025

The law requires that the trustees must not approve the accounts unless they are satisfied that they give a true and fair view of the state of affairs of the charity and of the surplus or deficit of the charity for the year.

The Trustees are also responsible for maintaining adequate accounting records which disclose with reasonable accuracy at any time the financial position of the charity and which are sufficient to show and explain the charity's transactions and enable them to ensure that the financial statements comply with regulations made under the Charities Act 2011. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The Trustees are also responsible for the contents of the Trustees' report, and the statutory responsibility of the Independent Examiner in relation to the Trustees' report is limited to examining the report and ensuring that , on the face of the report, there are no material inconsistencies with the figures disclosed in the financial statements.

This report was approved by the board of trustees on 23 March 2026.

Ayobami Popoola Trustee

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Report of the Independent Examiner to the Trustees of the charity on the accounts for the year ended 31 December 2025

I report to the Trustees on my examination of the financial statements of the charity on pages 12 to 20 for the year ended 31 December 2025 which have been prepared in accordance with the Charities Act 2011 (the Act) and with the Financial Reporting Standard 102, (effective 1st January 2016) as modified by FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2019, applicable to all accounting periods beginning on or after 1st January 2019), (The SORP), published by the Charity Commission in England & Wales (CCEW) , and under the historical cost convention and the accounting policies set out on page 19.

Respective responsibilities of the Trustees and the Independent Examiner and the basis of the report

The Trustees consider that the audit requirement of Section 144(1) of the Charities Act 2011 (the Act) does not apply, and that there is no requirement in the Governing Document for the conducting of an audit. As a consequence, the Trustees have elected that the financial statements be subject to independent examination.

Having satisfied myself that the financial statements are not required to be audited under any legal provision, or otherwise, and are eligible for independent examination, it is my responsibility to:-

a) examine the financial statements of the charity under Section 145 of the Act;

b) follow the applicable procedures in the Directions given by the Charity Commission under section 145(5)(b) of the Act.

Basis of Independent Examiner's Statement and scope of work undertaken

I report in respect of my examination of the charity's financial statements carried out under s145 of the Act. In carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act setting out the duties of an independent examiner in relation to the conducting of an independent examination. An independent examination includes a review of the accounting records kept by the charity and of the accounting systems employed by the charity and a comparison of the financial statements presented with those records. It also includes consideration of any unusual items or disclosures in the financial statements, and seeking explanations from you, as Trustees, concerning such matters. The purpose of the examination is to establish as far as possible that there have been no breaches of charity legislation and that, on a test basis of evidence relevant to the amounts and disclosures made, the financial statements comply with the SORP.

The procedures undertaken do not provide all the evidence that would be required in an audit, and information supplied by the Trustees in the course of the examination is not subjected to audit tests or enquiries and does not cover all the matters that an auditor would consider in arriving at an opinion. The planning and conduct of an audit goes beyond the limited assurance that an independent examination can provide

Consequently, I do not express an audit opinion on the view given by the financial statements, and in particular, I express no opinion as to whether the financial statements give a true and fair view of the affairs of the charity, and my report is limited to the matters set out in the statement below.

I planned and performed my examination so as to satisfy myself that the objectives of the independent examination are achieved and before finalising the report I obtained written assurances from the Trustees of all material matters.

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Independent Examiner's Statement, Report and Opinion

Attention is drawn to the accounting policy stating that, notwithstanding the explicit requirement in the extant statutory regulations, the Charities (Accounts and Reports) Regulations 2008, to prepare the financial statements in accordance with the SORP 2005, in view of the fact that the SORP 2005 has been withdrawn, and in order to accord with current best practice, the Trustees have determined to prepare the financial statements in accordance with the FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2019, applicable to all accounting periods beginning on or after 1st January 2019), (The SORP), . I concur with this approach, and any references in my report to the regulations should be read subject to this comment.

Subject to the limitations upon the scope of my work as detailed above, I have completed my examination: and can confirm that:-

This is a report in respect of an examination carried out under 145 of the Act and in accordance with Directions given by the Charity Commission under section 145(5)(b) of the Act which may be applicable;

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the financial statements to be reached.

Signed:-

Theo Sehindemi - Independent Examiner

Certified Accountants

148 Sandy Lane South Wallington Surrey SM6 9NR

This report was signed on 23 March 2026

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New Covenant Church - Camberwell - Statement of Financial Activities for the year ended 31 December 2025

Statement of Financial Activities for the year ended 31 December 2025

Income & Endowments from:
Donations & Legacies
Charitable activities
Other trading activities
Investments
Other
Total income
Expenditure on:
Raising funds
Charitable activities
Other
Tax on surplus on ordinary activities
Other taxation
Total expenditure
Net gains on investments
Net income for the year
Transfers between funds
Net income after transfers
Reconciliation of funds:-
E
Total funds brought forward
Total funds carried forward
Net movement in funds		 Current year
Unrestricted
Funds
2025
£
76,512
-
-
-
-
76,512
-
38,323
-
-
-
38,323
-
38,189
-
38,189
38,189
-
38,189		 Current year
Restricted
Funds
2025
£
385,788
-
-
-
-
385,788
-
-
-
-
-
-
-
385,788
(418,538)
(32,750)
(32,750)
7,837
(24,913)		 Current year
Total Funds
2025
£
462,300
-
-
-
-
462,300
-
38,323
-
-
-
38,323
-
423,977
(418,538)
5,439
5,439
7,837
13,276		 Prior Year
Total Funds
2024
£
446,745
-
-
-
-
446,745
-
37,317
-
-
-
37,317
-
409,428
-
409,428
409,428
(401,590)
7,838

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New Covenant Church - Camberwell - Statement of Financial Activities for the year ended 31 December 2025

Income and Expenditure account

New Covenant Church - Camberwell

Income and Expenditure Account for the year ended 31 December 2025 as required by the Companies Act 2006

Income
Income from operations
Realised Gains on the disposal of investments
Refunds from HMRC on gift aided donations
Gross income in the year before exceptional items
Gross income in the year including exceptional items
Expenditure
Charitable expenditure, excluding depreciation and amortisation
Depreciation and amortisation
Fundraising costs
Governance costs
Other expenditure
Interest payable
Total expenditure in the year
Extraordinary items
Tax on surplus on ordinary activities
Gift Aid donations made
Retained surplus for the financial year
Net income after tax in the financial year
Net income before tax in the financial year		 2025
£
443,457
-
18,843
462,300
462,300
37,499
224
-
600
-
-
38,323
-
423,977
-
423,977
-
423,977		 2024
£
446,745
-
-
446,745
446,745
36,613
104
-
600
-
-
37,317
-
409,428
-
409,428
-
409,428

All activities derive from continuing operations

In accordance with the provisions of the Companies Act 2006, the headings and subheadings used in the Income and Expenditure account have been adapted to reflect the special nature of the charity's activities.

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New Covenant Church - Camberwell - Balance Sheet as at 31 December 2025

2025
£
Fixed assets
Intangible assets
-
Tangible assets
192
Heritage assets
-
Investments held as fixed assets
-
Social investments
-
Total fixed assets
192
Current assets
Stocks
-
-
Debtors
-
-
Investments held as current assets
-
-
Cash at bank and in hand
13,084
7,421
Total current assets
13,084
7,421
Creditors: amounts falling due within
one year
-
-
Net current assets
13,084
-
Creditors: amounts falling due after more
than one year
-
Provisions for contingent assets
-
-
-
The total net assets of the charity
13,276
Restricted funds
Restricted Revenue Funds
(24,913)
7,837
Restricted Fixed Asset Funds
-
-
Restricted Revaluation Reserve
-
-
(24,913)
Unrestricted Funds
Called up share capital
-
Share premium
-
-
Unrestricted Revenue Funds
38,189
-
Unrestricted Revaluation Reserve
-
-
38,189
Designated Funds
Designated Revenue Funds
-
-
Designated Fixed Asset Funds
-
-
-
Pension reserve
-
Total charity funds
13,276
The total net assets of the charity are funded by the funds of the charity, as follows:-
Net assets
Defined benefit pension scheme assets
Net assets		 -
-
-
7,421		 2024
£
-
416
-
-
-
416
7,421
7,421
-
-
-
-
-
-
7,837
7,837
-
-
-
-
-
-
-
-
7,837

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New Covenant Church - Camberwell - Balance Sheet as at 31 December 2025

The Trustees acknowledge their responsibilities for complying with the requirements of charity legislation with respect to accounting records and the preparation of accounts.

The Trustees are satisfied that, although the charity is not registered under the Companies Acts, if it were so registered, it would be eligible to prepare accounts in accordance with the provisions in Part 15 of the Companies Act 2006. applicable to companies subject to the small companies regime.

Ayobami Popoola Trustee Approved by the board of trustees on 23 March 2026

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