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2025-12-31-accounts

Amor Europe CIO

Trustees’ Annual Report and Financial Statement Dec 31, 2025

bringing transformation with young people in challenging places

February 2026 v.xx (preflight draft)

CIO registered in England & Wales charity nr. 1176567 and in Scotland charity nr. SC054468

Contents

SECTION
PAGE
Our Vision ............................................................................................ 4
Highlighting our Impact in 2025 ........................................................... 4
Key Contacts ........................................................................................ 5
Trustees Annual Report
— incorporating Director’s Report........................................ 6
Fulfilling our Aims ................................................................................ 7
• Equip • Pure • Build • Help
Founding Principles .............................................................................. 8
• Our Vision, Passion, Ethos • Our Values • Our Culture • Public Benefit
Review of Activities in 2025 ................................................................. 11
HELP ................................................................................................................ 11
• Emergency Response Special Project • Assistance to Rwandan Partner
EQUIP .............................................................................................................. 11
• New Training Materials • Train the Trainers • Partnerships Abroad
• Children’s Worker Training Abroad • Volunteer Development in the UK
• Devotions • Translation
PURE ................................................................................................................ 13
• Clean Water and Basic Hygiene • Kingdom Commerce • Pure Amor Dignity
• Flourishing Life • Pad Pack Parties • Microbusinesses
BUILD ............................................................................................................... 17
• House Building Expeditions • New Partnerships
Quotes ................................................................................................ 17
• What They Say
Operational Matters ........................................................................... 18
• Safeguarding • Awareness Raising • Spiritual Development
the RIVER ........................................................................................... 20
the ROAD Less Travelled ................................................................... 21
People ................................................................................................ 21
• Trustees • Hub Team • Engine Room
Governance ........................................................................................ 22
• Operations Team and their Relationships • Risk Management
Plans .................................................................................................. 24
• Progress of Plans in 2025 • Future Plans for 2026

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Trustees’ Responsibilities ....................................................... 26 Financial Statements ................................................................ 27 • Financial Activities • Balance Sheet • Notes Independent Examiner’s Report ......................................................... 35

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Our Vision

For the next generation to gain the rights that God has freely granted to every human being, to attain the fullness that God intends for them as good citizens of this world, and of the world to come.

Highlighting our Impact in 2025

We train workers who serve children and young people.

We enable families to thrive through providing health interventions.

We engage young people and adults in building homes.

29 UK and overseas based EQUIP Global Trainers were in action training 268 children’s workers and 30 trainers.

Burkina Faso:

Burundi:

Rwanda

Sri Lanka:

S Asia

the Gambia

Thailand:

Our PURE team set 0ver 2,080 people free from water–borne diseases and 726 women and girls free from period poverty.

the Gambia:

Rwanda:

Our BUILD team continues to provide much needed homes that keep families together.

Mexico:

South Africa:

Rwanda:

Ghana:

Sierra Leone

resources

Burkina Faso:

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Key Contacts

Correspondence & Media

Correspondence Address Cornerstone Centre, Castle Hill Avenue, FOLKESTONE, CT19 5NW Phone 07931 301 701 Email « jfudge@amor.org » Web « amoreurope.org » Social « facebook.com/amoreurope » « instagram.com/amoreurope_ »

Legal & Administrative

Charity Name Amor Europe CIO Amor Europe CIO
Registered Charity Numbers 1176567 (England and Wales), SC054468 (Scotland)
Registered Office Cornerstone Centre, Castle Hill Avenue,
FOLKESTONE, CT20 2QR
Trustees Mark Staveley (Chair from December 2025)
Harley Wykes (Chair until December 2025)
Rachel Leigh–Wood
Joanne Little
Jonathon Mark Wilson
Anthony Obayori
Jonathan Wilson
Founding President Peter Jeffrey
Bankers Metro Bank
35–37 North Street,
GUILDFORD, GU1 4TE		 HSBC (PTS)
(Protected Trust Services,
Air Travel)
19 Minster Street,
SALISBURY, SP1 1TE
Independent Examiner Canon Gavin Kibble MBE
McGlone Wardzynski Ltd,the Halo Centre,
Progress Way, Coventry, CV3 2NT
Solicitors Moore Barlow
the Oriel, Sydenham Road,
GUILDFORD, GU1 3SR

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Trustees’ Annual Report incorporating the Director’s Report

Introduction

Amor Europe registered with the Charity Commission on January 8, 2018 and the Scottish Charity Regulator on August 15, 2025. The CIO is founded on a Christian ethos, the principles on which it operates issue from Christian faith, authentically expressed.

The vision for the charity proceeds from its desire to be good news to children, enabling them to flourish through experiencing beautiful actions by the global church and those mobilised by it. At this stage in our development these actions include:

  1. Educating church leaders to respect and meet the next generation’s perspective, and adjust the way they interact to children’s needs and preferences.

  2. Providing families with health interventions that include: water filters, training in their sustainable use, hygiene, and sanitation awareness; raising girls out of period poverty; raising primary school children out of dental poverty.

  3. Providing appropriate homes in which children’s families can care for them where this is not otherwise attainable without benevolent help, and providing other structures that benefit whole communities.

  4. Providing food to people experiencing hunger, usually as a result of extreme events within their communities.

The Trustees present their report and financial statements for the period to 31/12/2025.

The Charity is a CIO and governed by its Constitution.

Our Charitable Objectives

The charitable objects of Amor Europe are:

  1. The prevention or relief of poverty by providing: grants, items, and services to individuals in need and charities or other organisations working to prevent or relieve poverty.

  2. To help young people advance in life through:

  3. a. the provision of recreational and leisure time activities provided in the interest of social welfare, designed to improve their conditions of life; and

  4. b. providing support and activities which develop their skills, capacities, and capabilities to enable them to participate in society as mature and responsible individuals.

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Fulfilling Our Aims

To assist the achievement of these objects, we aim to bring impact among the next generation in four distinct but related strategic ways.

1. EQUIP

We equip workers who serve children and young people. Uniquely placed, through long–established and field–tested operations first developed under Crusaders, then Urban Saints, our EQUIP programme provides skills training for effective children’s work to church leaders, community leaders, and also to other Non–Governmental or Community–Based Organisation volunteers, working in challenging places.

Our children’s worker courses include basic safeguarding, intelligent discipline strategies, innovative approaches, engagement, and working to high standards. We encourage the establishment of quality, inclusive, community–building youth and children’s work. This is a significant factor in building community cohesion.

We believe that by enabling children’s workers to adequately, imaginatively, and appropriately teach about Jesus, they provide children with the opportunity to follow him, and to flourish spiritually and socially by doing so.

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2. PURE

2.1: WASH = Water, Sanitation, and Hygiene

According to UNICEF , every two minutes a child aged under five years of age dies due to diarrhoea. Water–borne disease is a significant cause of children not attending school, of adults unable to attend work, brings high costs to families when they have to buy medicines, and sadly causes death.

WASH puts safe, clean drinking water into the mouths of children and families, in the name of Jesus.

This is achieved through our proven holistic intervention, a combination of:

2.2: PAD = Pure Amor Dignity

According to the World Bank , “Period Poverty affects 500 million women and girls around the world.” and BBC Research (2023) shows that “…mothers often must decide between buying sanitary products or feeding their children.”

Period poverty is a global issue affecting those who don't have access to the safe and hygienic menstrual products they need, or who are unable to manage their periods with dignity — sometimes due to community stigma.

PAD provides hygienic, affordable (or gifted) feminine hygiene products to women who otherwise have to make unacceptable choices related to period poverty.

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3. BUILD

In the UK and Europe, we enable young people to work overseas on expeditions to build houses for families trapped in marginal environments by poverty.

On our BUILD expeditions, houses built in sustainable vernacular architecture meet the needs of families facing destitution, releasing them from housing poverty, and keeping them together. Those who participate develop significantly in citizenship values and enhanced self– esteem, gain social and practical skills, and are more motivated to serve in their own communities on returning home.

4. HELP

As a response to the Covid–19 coronavirus pandemic and its devastating effects on those already marginalised by poverty we intentionally raised funds to feed hungry children and families.

We have continued this approach, dedicating 50% of our annual fundraising initiative to hunger–related poverty relief, mainly through our trusted partners. We have also enabled supporters to give directly to this cause rather than sharing their donation with Amor Europe. HELP has become a permanent part of Amor Europe, as an act of gratitude and thanksgiving to God.

Founding Principles

Our Vision, Passion, and Ethos

We are inspired towards this: for the next generation to gain the rights that God has freely granted to every human being, that they might attain the fullness of all that God intends for them as good citizens of this world, and of the world which is to come.

We are motivated to do this: to bring people together to make Jesus visible. In all our planning and work, our conversations and relationships, we seek to live by the Spirit of Jesus Christ, exhibiting Christ–like character and bearing the fruit of the Holy Spirit, promoting justice, righteousness, and peace in the communities with whom we connect, bringing Glory to God our Heavenly Father.

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Our Values

All of our core staff and volunteers subscribe to our values, which are expressed as:

As a Christian charity we are committed to seeing young people develop mentally, emotionally, spiritually, physically, and socially, to become the very best they can be. In a world troubled by injustice towards children, we empower people to make a difference.

Transformed people transform places. Our vision is all about bringing transformation with young people in challenging places.

Our Culture

In our six years of development we have been able to identify the following qualities which carry our values in clearly identifiable behaviours that we expect to demonstrate.

  1. Integrity

  2. Prayerfulness 3. Humility

  3. Inclusivity 6. Generosity

  4. Fun

  5. Excellence 8. Care

Public Benefit

We have reviewed our aims and objectives, and the KPIs that arise from them, against the advice contained in the Charity Commission’s general guidance on public benefit. In reviewing our activities to date, and those we have planned for the year ahead, we have again taken the Charity Commission’s guidance into account. Our work targets communities where young people are liable to exploitation, destitution, abuse, ill health, or radicalisation as a result of poverty. We are pleased to report that we have been able to bring significant benefit to children and young people, as detailed in the following review of activities for the year.

Environmental Impact

We have developed an environmental policy, in line with our belief that the human race is responsible to God for care of the planet. Compliance with this policy ensures that we do not deliver on development for the current generation at the expense of the next.

We minimise our carbon use, our computers are recycled, our paper is responsibly sourced, and all our travel carbon is offset with seagrass via the Ocean Foundation.

Our BUILD team is committed to the use of locally sourced materials, and to the use of reclaimed materials where possible. In 2026 we will pilot a home design in Rwanda with 100% of main construction elements sourced in Rwanda from reclaimed materials.

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Review of Activities in 2025

HELP

Emergency Response Special Project

— to meet needs arising from disasters affecting our partners

Families affected by cost–of–living crisis arising from wars and natural disasters.

We allocated half of the proceeds of our annual “Big Walk” sponsorship event, to a special fund set aside to feed families in South Asia and in Lebanon. In all we were able to send £4950 to directly feed hungry people.

Assistance to Rwandan Partner

We were to help Azizi Life in their fundraising efforts for a new accommodation provision. This will enable more people to work alongside them, and for them to earn income towards indigenous financial security.

EQUIP

New Training Materials

We have taken a strategic decision for the public good to licence all our published materials under a Creative Commons Attribution–ShareAlike International Licence. This enables our partners to be creative in adapting resources to their local context without concerns of infringing copyright.

Training is written to be replicable and is delivered in most contexts to and through Christian NGOs or church and community networks. An important part of our ethos is the development of authentic Christ–like spirituality — peace–creating, loving, and generous in nature.

In order for training to multiply within a region or nation, having the materials both translated and contextualised into the most appropriate local language is vital. In 2025 we completed final edits to Courses 2 and 3 of our revised training, following field testing in 2023, 2024, and early 2025.

All courses now incorporate a work book that enables participants to lock in their learning.

Train the Trainers

In 2025, following final field testing and feedback in 2024, EQUIP published its first ‘Train the Trainers’ course, complete with handbooks for translation and replication. This enables EQUIP to replicate itself in strategic partnership networks, mobilising indigenous trainers with vision and skills for proliferating effective children’s work groups. We delivered three ‘Train the Trainers’ courses in 2025.

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Partnerships for Children’s Worker Training Abroad

Our training activities abroad are developed through partnership with local NGOs or churches. We base our partnerships on shared values. Every partnership follows our process towards establishing formal working agreements, and the nature of our work means that we have to rely on recommendations, references, and common sense in assessing potential partners. Most new partnerships arise from existing relationships, often long established between the overseas partner and our team members in other charitable contexts.

We currently have in place partnerships with:

Children’s Worker Training in 2025

Since 2021 we have sponsored a Network Coordinator in Sri Lanka . In 2025 we worked alongside the indigenous team led by the Coordinator and delivered training for children’s workers in a new (to us) city as peers of the Sri Lanka team members.

In the Gambia we ran train the trainers course, and a Part 1 course alongside these local trainers.

We returned to Burundi , training trainers of a national children’s work network formed in 2021. We then ran two Part 1 courses alongside Burundian trainers.

In Rwanda we built on the new partnership with Azizi life, delivering Part 3 training to a group of children’s workers based around Muhanga. There is an appetite here to form a national network and we will return in 2026 to work on that initiative with Azizi life.

In Burkina Faso we continued training a network of leaders, most of whom were working with tribes in their first generation of encountering Jesus. The network here took our training for trainers and commissioned seven trainers to run training for hundreds of leaders across the west of the country and on into Mali .

In Thailand we continued our partnership with a seminary and begun conversations towards the seminary adopting EQUIP training as part of its curriculum.

With a partner in Southeast Asia we were thrilled to learn that indigenous trainers delivered EQUIP training in a remote location to courageous front–line volunteers working with brutally traumatised children in a war zone.

We renewed our friendship with partners in Sierra Leone and delivered Part 1 training alongside them in a particularly needy location.

Elsewhere on the Asian subcontinent we worked with a minority people group training and encouraging them, commencing partnership with their network.

Volunteer Development in the UK

Volunteer recruitment and development follows a process established over ten years or more. Recommended practitioners experience an orientation weekend, and then may apply to join the team. If successful, and following DBS checks and taking up of references, they join an experienced

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team leader on a training trip abroad. Our Global Partnerships Lead takes responsibility for briefing, debriefing, and assessing volunteers including team leaders, who also make assessments of the volunteers in their care. Formal feedback from all team members and partners is taken.

In mobilising self–funded volunteer Global Trainers, the charity maximises its impact while minimising operating costs. The personal development benefits to volunteers are significant, and the interaction with their networks of supporters creates excellent community engagement.

Devotions

Each training day begins with highly impactful devotions designed to encourage intimacy with God. These devotions have been reviewed following feedback in 2025 and will be renewed in 2026.

Translation

With all EQUIP training materials renewed and republished in 2025 the rollout of translations progressed rapidly in 2025. Tamil and Sinhala, French (for Francophone Africa), Kinyarwanda, and Burmese versions were developed in 2025.

PURE

Clean Water and Basic Hygiene for Households

We have a partnership with Sawyer International « sawyer.com » to supply “point one” filters for clean water. Once installed and the householder trained in their care, the filters have demonstrated efficacy for millions of gallons without the need for replacement parts. No harmful bacteria or protozoa can pass through the filters. Accurate data from multiple countries indicate that they eliminate water–borne disease, reduce costs for families, and improve attendance rates at school and employment.

Expeditions

In February 2025, a 10–person expedition delivered 130 WASH interventions in the Gambia and in July 2025 an 11–person expedition delivered 107 WASH interventions in Rwanda. Preparation and debriefing for these included three ‘WELL’ experience days, two before the expedition and one subsequent to it.

In addition to the WASH interventions the expedition teams distributed 250 toothbrushes with toothpaste to school children and delivered training on the importance of tooth hygiene.

Filter Sponsorship

We have developed a sponsorship project, enabling individuals to sponsor filters. The sponsorship amount of £60 covers the cost the filter, transportation, installation after care, and reporting.

Sponsors receive a frameable certificate of sponsorship, detailing how the filter works and why it is needed. They also receive photo of the family that gets the filter, a baseline data report on health prior to installation, then 2–week, 8–week, 6–month and 12–month updates to the health data. The reporting enables the sponsor to see who has received their filter, and exactly what difference their

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investment has made to the family’s health, wealth and education. All data is collected with permission regarding its use from the family concerned.

In 2025 we have distributed 107 sponsored filters in Rwanda. The filters are shipped to our partner who arranges distribution, installation, training and support to families, including collecting impact data. Since we began the sponsorship programme in 2021 we have been able to set over 500 families free from water poverty through the committed and intelligent actions of Christian leaders local to them.

Kingdom Commerce

We initiated a project, fully funded by two grant funders, to attempt something approaching exponential multiplication of WaSH interventions in Burkina Faso. We shipped an initial pilot consignment of 50 filters. Sadly, the vision for sharing the financial benefits of owning a filter with their neighbours proved a difficult sell. Only 8 of the 50 were taken up. We stalled shipping any more of the 700+ filters available.

We took a decision to move the at least half of the project to Rwanda where we suspected there was a far more progressed ‘escape from poverty by standing on our own feet’ culture. This has proven to be the case and already 87 interventions have been delivered and payments from those that have received them are being collected, enabling the distribution to multiply, powered by the community’s increased wealth as a result of being freed from water poverty. We will take a decision regarding how to take this project forward in 2026.

PAD = Pure Amor Dignity

We have responded to the appalling reality that 500 million women are affected by period poverty – unable to make acceptable sanitary arrangements for their period and thus suffering some/all of the following: indignity, shame, reduced earning or education and disease and sadly, even death.

The establishment of PAD, led by Jane Savage — a passionate volunteer — has enabled PURE to begin constructing solutions that will impact the problem. It is clear from the Bible and from our experience of caring about what matters to God, that Jesus loves women and has moved us to do something about this issue, and more importantly, something for the women affected by it.

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Flourishing Life in the Gambia and Rwanda

Combining both expeditions and sponsorships, we have deployed over 1100 filters in the Gambia — 130 of them in 2025 — releasing around 7700 people from water–borne diseases.

In Rwanda where 165 filters were deployed in the community in 2025, health stats record that at distribution 8% of the population were healthy and six months later 99% were healthy. That is a simply amazing transformation in the name of Jesus, and a demonstration of his love among us.

One essential aspect of WaSH interventions is the collection of impact data, enabling the efficacy of the programme (or lack of it) to be available for scrutiny and analysis. The following infographics give a positive aggregate of our data for Rwanda over the two–year period 2024 to 2025.

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Positive health impacts are also recorded for the Gambia over the same period.

PAD Pack Parties

The development of PAD Pack Parties, bringing women together to help women and girls, by sewing beautiful pad packs for free distribution proved a highly popular and contagious initiative.

The Trefoil Guild, The Women’s Institute and various church groups, even a prison, engaged with the PAD team to get involved. Whilst some of these groups are non-religious, Amor Europe is very clear in stating that every intervention is made in the name of Jesus, an expression of His love.

14 excellent parties were held across the UK, enabling deployment of 600 packs in Rwanda 76 in Ghana and 50 in the Gambia, by expedition teams. These beautiful packs contained holders, knickers, and pads.

Much of the financing for this activity was met through donations at the events, and presentations in churches related to the parties. These donations were often in the form of sponsorships.

Microbusinesses

In addition to providing free washable menstrual hygiene products, a key aim of the PAD team is to set up women’s microbusinesses in the countries where the PAD Packs are needed. This is done by raising finances for materials, equipment (including sewing machines) training and support in business strategy.

In 2025 we set up 5 microbusinesses in Rwanda, provided support to one microbusiness in the Gambia, and facilitated the setting up of 10 microbusinesses in Ghana.

The Rwandan microbusinesses have ben commissioned to produce (for profit) 150 PAD Packs for schoolgirls in early 2026.

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BUILD

We employed a new BUILD Team Lead and have engaged in very active construction of the BUILD branch of Amor Europe.

House Building Expeditions

In 2025 we sent one team to Mexico to build a much–needed home for a family of twelve.

New Partnerships

Quotes

We include here quotes from people who have benefited from our EQUIP, PURE, and BUILD initiatives in various locations in 2025.

What They Say…

Jean–Claude, Programme Manager, Azizi Life — host for Rwanda WASH Expedition 2025

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Vincent

Nigel 

  - **Mexico BUILD Expedition participant**

Operational Matters

Safeguarding

Amor Europe recognises the importance of safeguarding in its work with children, young people, and vulnerable adults. We follow the requirements of UK legislation in relation to vulnerable adults, children and young people, and the best practice standards advice of ThirtyoneEight, an established charity committed to assisting churches and Christian organisations with safeguarding, with whom we have taken membership. Our own team members are all required to take safeguarding training, and we also assist in the development of safeguarding training with our partners overseas.

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The nature of exposure of our teams to risk and cross–cultural complications means that we need both specialist and general knowledge in delivering our culture of care.

We have developed and adopted a Safeguarding Statement and have designed a Code of Conduct detailing the code of practice and reporting mechanisms for safeguarding. Code of Conduct pocket guides are issued to all our adult volunteers, for each event or expedition. We developed safeguarding and health & safety training courses tailored for use with and by all our teams. These are delivered online and in person with records kept verifying that each expedition participant has been trained. In addition each team member receives in person training while on the expedition and every team has an appointed Safeguarding Coordinator and Health & Safety Coordinator who have the support of the charity Leads and external contacts while on the trip.

We are collaborators with Stop Child Witch Accusations, a coalition of charities committed to the elimination of child abuse linked to faith and belief. The coalition participates in an Experts’ Working Group, recognised by and consulting with UNESCO. We had no reportable Safeguarding or Health & Safety incidents in 2025.

Awareness Raising

the BIG Walk

In June and October 2025 we continued our BIG Walk fundraising and awareness events.

Groups of friends organised a local day event involving a long walk together. BIG Walk events were run in Folkestone, Southampton, and Cumbrae (Scotland).

Together these events raised £4950 that was paid to an NGO in Lebanon and a church network in South Asia, both regions profoundly affected by hunger owing to wars in Ukraine and the Middle East.

Conversation & Celebration

We held our Conversation & Celebration Weekend at Bosworth Hall near Coventry in October 2025. This event gathered supporters, expedition participants, employees and volunteers. The weekend included a PAD Pack Party and a celebration dinner. We welcomed guest speakers from partners in Rwanda and the USA.

The event was attended by 60 people, an increase of 30% on 2024.

Inspire Events

During the year we hold our Inspire! events at local churches in the UK to enable people that have not yet met us to consider their personal contribution to Christian mission, learn about the diverse aspects of our work and to encourage them towards adventure and involvement with us and other ministries.

This year we held an Inspire! At Junction 10 Church, Walsall and we will be seeking to expand this interactive and highly engaging event in 2026.

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Spiritual Development

We use a drawing of a tree to describe Amor Europe.

The roots of our tree represent our values, and these draw life from the presence of God represented by a river — an analogy much used in the Bible. The RIVER also represents a four–day retreat which is very much a part of Amor Europe, but flowing out beyond the charity.

The trunk of our tree is Christian discipleship, encouraged in our community by the ROAD Less Travelled team, and an intentionally non– negotiable element of every part of the charity.

The branches of our tree forming the canopy are the diverse areas of our ministry, producing the fruit of justice and righteousness and peace, which are desired by the Living God whom we enthusiastically serve.

the RIVER

About the RIVER: The RIVER is a four–day spiritual retreat which aims to refresh and encourage people in their personal faith.

The ministry of Amor Europe depends upon the authentic spiritual relationship between individuals and the Living God — recognised and worshiped by Christians. The RIVER experience is a highly effective programme enabling Amor Europe to articulate and share spiritual life with those seeking to connect with God.

The RIVER in 2025: Four times each year the RIVER runs as a four– day retreat at Wellwick House, Wendover — a conference and retreat house. Wellwick House has made considerable adjustments to its premises to facilitate the RIVER and serves beautifully as the key venue to develop it further. From this source point, attendees at the Wellwick House RIVER retreats are encouraged to host a similar RIVER retreat in their own town. During 2025, in total 20 RIVER retreats were run including one for the Amor Europe team that was highly beneficial to leaders within the ministry.

The RIVER began to flow internationally in 2025, operating in Uganda and Moldova. The Uganda RIVER was a very powerful event, and the Ugandan hosts have asked for it to return.

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The RIVER in 2025: Twelve retreats are planned in the UK. Three more RIVER events are scheduled to run overseas in the Gambia, Rwanda, and a return to Uganda.

the ROAD Less Travelled

In 2025 the ROAD Less Travelled team began its work to enable each person that connects with Amor Europe to intentionally choose pathways of continuous spiritual development.

This team creates or signposts resources, courses, and opportunities that those serving with Amor Europe can opt for, in order to develop spiritually. This team also oversees the planning of our Conversation & Celebration annual conference.

In 2026 this team plans to develop a gap year opportunity and a summer school. This will enable Amor Europe to invest in people who intentionally set aside a period of their life to focus on their relationship with God and their ministry flowing from it.

The ROAD Less Travelled team has put together some resources on our website that it recommends to our community for their spiritual refreshment and growth.

People

We introduce here those who make everything happen.

Trustees

The Trustees who served throughout 2025 are listed on the Key Contact page at the top of this report. We are grateful to them for all their valuable contributions.

Trustee Recruitment: Potential Trustees are sought to bring specific skills identified and needed by the Board. After preliminary discussion with the Chair of Trustees the individual is invited to read the core documents of the Charity, and the Trustee Framework, which outlines the role, competences, and characteristics of a Trustee of Amor Europe.

In February 2025, founding Trustee, Gayla Congdon passed away. We were able to recruit three new ‒ Trustees: Antony Obayori, Rachel Leigh Wood, and Jonathan Mark Wilson. In December Harley Wykes stepped down as Chair of Trustees as his term of office ended. Mark Staveley assumed the role of Chair of Trustees in December 2025.

Changes Ahead: In 2026 the Trustees will continue their recruitment efforts, specifically seeking a Treasurer and a person with current and substantial employment expertise.

The Charity is extremely grateful to Harley Wykes whose eight years of service were exemplary, and indeed to all Trustees for their faithful and faith filled service in overseeing the charity.

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Hub Team

Executive responsibility for operating the charity is delegated by the Trustees to the Hub team. Every member of the Hub team has responsibility for delivering a significant part of the charity’s work and functioning. The Hub Team is led by the CEO but each member, including the CEO serves the others much as the three persons of God serve one another in mutual honour.

The Hub team contains those who facilitate the other teams: The Engine Room, taking care of the operational matters; EQUIP, overseeing our Global Training programme; BUILD overseeing our home building and hope building expeditions and sponsorships; and PURE overseeing clean water and hygiene expeditions, projects, and sponsorships.

Our Hub team is formed of two full–time workers, three part–time workers, and two contractor– consultants working on an hourly basis.

Engine Room

Our support services currently include our Finance Lead and DBS Administrator, overseen by the Hub Team Lead. In 2025 we began the roll-out of our refreshed GDPR and documents repository regimens. We recruited a highly qualified Data Lead who has worked very effectively to improve our data security and compliance processes.

We conducted a review of our financial reporting processes, specifically improving our financial forecasting capability. The new Finance Team will assume financial reporting to the Trustees from 1 Jan 2026.

Governance

The Board of Trustees has responsibility for directing and controlling the affairs of the Charity. There are board meetings four times a year to:

We have developed a Board Schedule that gives order to the CIO’s progress and monitoring throughout the year through accountability and responsibility processes.

In 2025 we sadly lost a founding Trustee, Gayla Congdon who passed away. Another founding Trustee, Harley Wykes (Chair) finished his third term of service and stepped down. We recruited three new Trustees in 2025, and existing Trustee Mark Staveley assumed the role of Chair of Trustees.

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Operations Team and their Relationships

The Trustees delegate day–to–day operations of the Charity to John Fudge (the CEO) and the Hub Team. The relationships are demonstrated in the Team Relationships diagram.

Remuneration and pay levels for the key management personnel and within the trust generally are determined by the Trustees having regard to organisations of a similar size and nature.

Risk Management

Each Trustee has oversight of specific parts of the register and the policies that help govern it. All policies were reviewed and updated in December 2025.

Trustees manage the key risks of the Charity by regular review of CEO reports against the Board’s risk management protocols, and by reviewing all KPIs, which are RAG (red, amber, green) designated.

At the operational level, all expeditions and associated events and activities undergo a full risk assessment and approval process prior to being launched. These are actively reviewed in response to changing circumstances.

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Plans

Progress of Plans in 2025

We ran three walks, but raised more finance through these than in 2024.

All three expeditions were highly successful.

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Future Plans for 2026

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Trustees’ Responsibilities

The Trustees are responsible for preparing the Trustees’ Report and Financial Statements in accordance with applicable law and regulations.

Approved by the board and signed on its behalf by:

Mark Staveley

Chair of Trustees.

date: 31 / 03 / 2026

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Financial Statements

Accounts for Amor Europe, a CIO registered with the Charity Commission (no. 117656) from 1 January 2025 to the end of the financial year on 31 December 2025.

Statement of Financial Activities for the year ended 31[st] December, 2025

Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024
Note £
£
£
£
Income from:

Donations and Legacies
2		 205,494
–
205,494
165,643
Charitable Activities
3		 91,277
16,396
107,673
161,583
Income from investments
4		 1,828
–
1,828
2,983
Total Income 298,600
16,396
314,995
330,208


Expenditure

Raising Funds 4,952
–
4,952
2,875
Charitable Activities
5		 290,621
17,386
308,007
305,212
Other
6		 22,707
–
22,707
20,869
Total Expenditure 318,281
17,386
335,667
328,956


Excess of income
over expenditure		 (19,681)
(990)
(20,671)
1,252
Transfer between funds
11		 1,560
(1,560)
–
–


Net movement in funds (18,121)
(2,550)
(20,671)
1,252
Opening balance funds
at 1st January
11		 66,092
43,751
109,842
108,591


Closing balance funds
at 31st December
11		 47,970
41,201
89,171
109,843

The statement of financial activities includes all gains and losses recognised during the year. All income and expenditure derive from continuing activities.

The notes on the following pages form part of these financial statements.

page 27 of 36

Balance Sheet as at 31[st] December 2025

Balance Sheet as at 31st December 2025 Balance Sheet as at 31st December 2025 Balance Sheet as at 31st December 2025 Balance Sheet as at 31st December 2025
2025
2025
£ £
£		 £
Current Assets
Cash at bank and in hand
86,864		 121,005
Debtors
9
12,496		 12,598
Total Current Assets 99,360 133,603
Current Liabilities falling due <1 year
Sundrycreditors
10
10,189		 23,760
Total Current Liabilities 10,189 23,760
Net Current Assets
 89,171 109,843
Net Assets
 **89,171 ** 109,843
Income Funds
Unrestricted Funds
47,970		 43,751
Restricted Funds
41,201		 66,092
Total Funds **89,171 ** 109,843

Approved by the Trustees by:

----- Start of picture text -----
______
----- End of picture text -----

Mark Staveley (Chair)

date: 31 / 03 / 2026

page 28 of 36

Notes to the Financial Statements for the year ended 31[st] December 2025

1 Accounting Policies

1.1 The financial statements have been prepared in accordance with the Charities Act 2011, FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (“FRS 102”) and the Charities SORP "Accounting and Reporting by Charities: Statement of Recommended Practice applicable to organisations preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)" (effective 1 January 2019). The organisation is a Public Benefit Entity as defined by FRS 102.

The organisation has taken advantage of the provisions in the SORP for charities not to prepare a Statement of Cash Flows.

The financial statements have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a true and fair view. This departure has involved following the Statement of Recommended Practice for organisations applying FRS 102 rather than the version of the Statement of Recommended Practice which is referred to in the Regulations but which has since been withdrawn.

The financial statements are prepared in sterling, which is the functional currency of the organisation. Monetary amounts in these financial statements are rounded to the nearest £.

The financial statements have been prepared under the historical cost convention.

The principal accounting policies adopted are set out below:

1.2 Going concern

At the time of approving the financial statements, the trustees have a reasonable expectation that the organisation has adequate resources to continue in operational existence for the foreseeable future. Thus, the trustees continue to adopt the going concern basis of accounting in preparing the financial statements.

1.3 Funds

Unrestricted funds are available for use at the discretion of the trustees in furtherance of their objectives.

Restricted funds are subject to specific conditions by donors as to how they may be used. The purposes and uses of the restricted funds are set out in the notes to the financial statements.

1.4 Income

Income is recognised when the organisation is legally entitled to it after any performance conditions have been met, the amounts can be measured reliably, and it is probable that income will be received. Cash donations are recognised on receipt. Other donations are recognised once the organisation has been notified of the donation, unless performance conditions require deferral of the amount. Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

1.5 Expenditure

Expenditure is recognised once there is a legal or constructive obligation to transfer economic benefit to a third party, it is probable that a transfer of economic benefits will be required in settlement, and the amount of the obligation can be measured reliably. Expenditure is classified by activity. The costs of each activity are made up of the total of direct costs and shared costs, including support costs involved in undertaking each activity. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs which contribute to more than one activity and support costs which are not attributable to a single activity are apportioned between those activities on a basis consistent with the use of resources.

1.6 Cash and cash equivalents

Cash and cash equivalents include cash in hand, accounts and deposits held with banks, other short–term liquid investments with original maturities of three months or less, and bank overdrafts.

1.7 Trade Creditors

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less.

page 29 of 36

Notes to the Financial Statements for the year ended 31[st] December 2025 (continued)

Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024
£
£
£
£
2
Donations and Legacies
General Donations 164,788
–
164,788
130,649
Fundraising 3,999
–
3,999
2,658
Grants –
–
–
14,083
Tax recovered ongiving 36,707
–
36,707
18,252
205,494
–
205,494
165,643
3
Income from Charitable Activities
Pure Projects / Trip Income 64,038
16,396
80,433
36,358
Annual Celebration 7,994
–
7,994
6,360
Training –
–
–
140
Build Trips 18,213
–
18,213
118,725
River Retreat 1,033
–
1,033
–
91,277 16,396 107,673 161,583
4
Income from Investments
Bank/BuildingSocietyInterest 1,828
–
1,828
2,983
1,828
–
1,828
2,983
5
Expenditure on Charitable Activities
Wages and Salaries 113,854
–
113,854
104,586
Activity Expenses 9,743
–
9,743
10,080
Consultancy 6,000
–
6,000
6,271
Gambia & Rwanda Trips 56,085
–
56,085
19,100
Water Filters (Burkina Faso) –
3,470
3,470
3,248
Pure Projects –
13,916
13,916
8,635
Build Trips 21,323
–
21,323
108,354
River retreat 2,262
–
2,262
530
Materials –
–
–
891
Global Volunteer Costs 22,461
–
22,461
20,495
Donations to partners in need 44,994
–
44,994
12,410
Annual Celebration 11,919
–
11,919
7,008
Insurance 1,124
–
1,124
1,828
Training 857
–
857
1,776
290,621 17,386 308,007 305,212

page 30 of 36

Notes to the Financial Statements for the year ended 31[st] December 2025 (continued)

6
Other		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024		 Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024
£
£
£
£
Administration Costs 7,298
–
7,298
4,353
Accounting Services 8,111
–
8,111
9,962
Trustee Expenses 437
–
437
833
Team Meetings 2,248
–
2,248
767
DBS Checks 882
–
882
438
Bank & Currency Charges 437
–
437
518
Independent Examination 490
–
490
400
Carbon Offset 2,804
–
2,804
3,598
22,707 – 22,707 20,869
2025
2024
£
£
121,965
106,686
2,335
3,640
4,913
4,222
129,213
**114,548 **
2025
2024
7
Staff Costs		 £
£
Salary 121,965
106,686
Employers NI 2,335
3,640
Employers Pension 4,913
4,222
129,213
**114,548 **

The average monthly headcount was 7 staff (2024: 6 staff) and the average monthly full–time equivalent headcount (including part–time staff) was 3.5 (2024:3). No employee was paid more than £60,000. The charity contributes to a workplace pension scheme.

One of the charity’s trustees received remuneration of £4,700 (2024: £8,992) for services provided to the charity during the year. Trustees expenses of £ nil were incurred during the year (2024: £ nil).

2025
2024		 2025
2024
8
Debtors		 £
£
Amounts falling due within one year
Trade Debtors 3,417
8,494
Prepayments 9,079
4,104
12,496
**12,598 **
2025
2024
9
Creditors		 £
£
Amounts falling due within one year
Trade Creditors 500
500
Accruals and deferred income 8,227
20,830
H M Revenue & Customs 1,463
2,431
10,189 23,760

10 Related Party Transactions

There were no related party transactions during the year (2024: nil)

page 31 of 36

Notes to the Financial Statements for the year ended 31[st] December 2025 (continued)

11
Movement of Funds		 Balance as at
01/01/2025
Income		 Expenditure
Transfers
Balance as at
31/12/2025		 Expenditure
Transfers
Balance as at
31/12/2025		 Expenditure
Transfers
Balance as at
31/12/2025
£
£		 £
£
£
Restricted Funds
Pure Filters 6,034
9,701		 7,422
(1,560)
6,752
Dignity Project 6,515
5,872		 6,494
-
5,893
Wells Project 4,946
823

5,769
B.Faso Small Business Model 26,256
 3,470

22,786
Total Restricted Funds 43,751
16,396		 17,386 (1,560) 41,201
Unrestricted Funds 66,093
298,600		 318,281
1,560
47,970
Total Funds 109,844
314,995		 335,667 – **89,172 **
Movement of Funds Balance as at
01/01/2024
Income		 Expenditure
Transfers
Balance as at
31/12/2024
£
£		 £
£
£
Restricted Funds
Pure Filters 8,450
6,218		 (8,635)
–
6,034
Gambia Trip 1,500
–		 –
(1,500)
–
Dignity Project 3,938
2,817		 (240)
–
6,515
Wells Project 3,951
995		 –
–
4,946
B.Faso Small Business Model 15,421
14,083		 (3,248)
–
26,256
Pure Support 2024 3,000
–		 –
(3,000)
–
Rwanda Pilot Project 2,500
–		 –
(2,500)
–
Total Restricted Funds 38,760
24,113		 (12,123) (7,000) 43,751
Unrestricted Funds 69,831
306,095		 (316,833)
7,000
66,093
Total Funds 108,591
330,208		 (328,956) – 109,844

Note 11: Movement of Funds (continued) — Description of Restricted Funds

page 32 of 36

Notes to the Financial Statements for the year ended 31[st] December 2025 (continued)

Unrestricted
Funds
2025
Restricted
Funds
2025
Total
Funds
2025
Total
Funds
2024
£
£
£
£
12
Movement of Net Assets
Current Assets 58,160
41,201
99,360
133,603
Current Liabilities (10,189)
–
(10,189)
(23,760)
47,970
41,201
89,171
109,843

page 33 of 36

Statement of Financial Activities for the year ended 31[st] December, 2024

— prior year —

— prior year —
Unrestricted
Funds
2024
Restricted
Funds
2024
Total
Funds
2024
Total
Funds
2023
£
£
£
£
Income from:

Donations and Legacies 151,560
14,083
165,643
212,170
Charitable Activities 151,553
10,030
161,583
111,002
Income from investments 2,983
–
2,983
20
Total Income 306,095
24,113
330,208
323,191


Expenditure

Raising Funds 2,875
–
2,875
750
Charitable Activities 293,089
12,122
305,212
229,720
Other 20,869
–
20,869
13,281
Total Expenditure 316,833
12,122
328,956
243,751


Excess of income
over expenditure		 (10,738)
11,991
1,252
79,441
Transfer between funds 7,000
(7,000)
–
–


Net movement in funds (3,738)
4,991
1,252
79,441
Opening balance funds
at 1st January		 69,831
38,760
108,591
29,150


Closing balance funds
at 31st December		 66,092
43,751
109,843
108,591

page 34 of 36

Independent Examiner’s Report

Independent examiner’s report to the trustees of Amor Europe CIO

I report on the accounts for the year ended 31st December 2023 which are set out on page 20 onwards.

Respective responsibilities of the trustees and the examiner

The trustees consider that an audit is not required for this year under section 144 (2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is needed.

It is my responsibility to

Basis of Independent Examiner’s Statement

My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the organisation and a comparison of the accounts presented with those records. It also includes considering any unusual items or disclosures in the accounts, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in a full audit, and consequently I do not express an audit opinion on the accounts.

Independent examiner’s statement

In connection with my examination, no matters have come to my attention:

have not been met; or

Gavin Kibble MBE, ACMA

Mozaic Innovate Ltd 1 Kineton Road, Coventry CV2 3NR

10th March, 2025

page 35 of 36

page 36 of36