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2023-12-31-accounts

REPORT OF THE TRUSTEES AND

FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023 SILVER STREET COMMUNITY CHURCH

CONTENTS OF THE FINANCIAL STATEMENTS

Reference and Administratve Details 2
Report of the Trustees 3 to 5
Independent Examiners Report 6
Statement of Financial Actvites 7
Balance Sheet 8
Cash Flow Statement 9
Notes to the Financial Statements 10 to 16

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SILVER STREET COMUNITY CHURCH

REFERENCE AND ADMINISTRATIVE DETAILS

Registered Charity number

1178856

Principal address

Silver Street Community Church 50 Statham Grove London N18 1RE

Independent Auditor

AP Whitehead ACA 34 Illingworth Way Enfield EN1 2PA

Bankers

CAF 25 Kings Hill West Malling ME19 4JQ

Association

Fellowship of Independent Evangelical Churches 41 The Point, Market Harborough LE16 7QU

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SILVER STREET COMUNITY CHURCH

REPORT OF THE TRUSTEES

for the Year Ended 31 December 2023

The trustees present their report with the financial statements of the charity for year ended 31 December 2023. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

CONSTITUTION

A group of Christians from Enfield Town Community Church (ETCC) started meeting together in the Silver Street of Edmonton area in 2015. In June 2018 Silver Street Community Church (“the Church) was registered with the Charity Commission as an independent Church and charity. The activities of Silver Street Community Church transferred from ETCC to the Church in January 2019 and the Church property was transferred from ETCC to the Church with effect from January 2020.

The Church is governed by a constitution established in 2018.

PRINCIPAL ACTIVITY

The principal activity of the Church in the year under review was the advancement of the Christian faith in accordance with the Basis of Faith primarily but not exclusively within the London Borough of Enfield and the surrounding neighbourhood; and such other charitable purposes as shall, in the opinion of the members of the Church in general meeting, put into practice the Christian faith in accordance with the Basis of Faith, including but not limited to: the prevention and relief of need, hardship and sickness and the advancement of education”. The Church also provides facilities for the local community.

The Church holds regular Sunday services and weekly activities and to grow as God’s people, in order to go and make Jesus known to those around us.

APPOINTMENT OF OFFICIALS

Nominations for a new Elder may be made at any time by the body of Elders. The nomination requires the approval of the Church meeting with a minimum threshold of 80% of those voting. An Elder shall be appointed for five years and shall then be eligible for re-election.

Deacons may be appointed by the Elders. They have no fixed term but are reviewed annually. At present there are 4 deacons in post.

The Church Secretary is responsible for the induction of any new elder which involves an awareness of the responsibilities of the position, the governing document, and the Church’s policy and procedures.

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SILVER STREET COMUNITY CHURCH

REPORT OF THE TRUSTEES

for the year ended 31 December 2023

REVIEW OF THE YEAR

The aim of Silver Street Community Church is to “make Jesus known in Edmonton as we grow to know him better.” 2021 had brought a lot of changes for the church fellowship due to the Covid-19 pandemic, but our aim remains the same. We continue gathering – whether in person or online – as God’s people to grow as God’s people, in order to go and make Jesus known to those around us.

Luke Crowter has been the Pastor of the Church since August 2017.

On Sundays and during the week, age related activities for children were provided. The Church continue to provide an English language club at the church building. The Church also continue to provide a Turkish bible study, a family fun day, women’s study group and Men’s events. All these activities were open to the general public. The Church continued to invite the public regularly by leaflet campaigns, book table, knocking door to door and by Facebook. Over the year, Sunday morning attendances have generally been between 80 and 110.

Regular activities for children and young people continued growing and attracted children from the local area. The bi-weekly prayer meeting also continued. Bi-weekly small group bible studies were hosted at the church building.

The Church hosted a Christianity Explored course and continue with a discipleship course.

The feedback from those who attend the groups and the discipleship course has been positive. The Church also joined other local partner churches for praise and worship for a 2023 Church Partnership Away Day in June hosted at a local School. The July Summer Camp for School years 3 to 13 was offered to the young people which provided an opportunity to catch up and learn from God’s word. This was a weeklong camp just outside London.

The Church continue to support our missionary family in various parts of the UK and abroad.

FUTURE ACTIVITIES

It is the intention of the Elders to continue the principal activities as set out above.

RELATED PARTY TRANSACTIONS

There were no transactions with related parties during the year.

FINANCIAL POSITION

The Church generated a surplus on unrestricted funds of £29,524 (2022: surplus £1,469) in the year.

The Church also incurred a deficit on restricted funds of £3,087 (2022 surplus £947). This principally arises from the receipt of an option fee for the manse received from the Pastor of the Church. This income was credited to the manse fund and used towards the cost of the new manse.

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RESERVES POLICY

The objective is that the reserves of the Church are sufficient to fund the activities for three months. At this stage the level of reserves is above this level. The elders will continue to monitor the level of reserves.

RISK MANAGEMENT

The elders have conducted a review of the major risks to which the church would be exposed and systems are being implemented to mitigate those risks where possible. The risks and systems will be regularly reviewed.

ELDERS AND OFFICIALS

The elders and officials in office during the year were as follows:-

VOLUNTEERS

The Church’s activities rely on the commitment of large number of volunteers. The Church recognises the contribution that the volunteers make in the sustaining of its activities.

TRUSTEES RESPONSIBILITIES

Charity law requires the trustees to prepare financial statements for each financial year, which give a true and fair view of the state of affairs of the Church and of its financial activities for that period. In preparing those financial statements the elders and officials are required to:

The elders and deacons are responsible for keeping accounting records which disclose with reasonable accuracy the financial position of the Church and to enable them to ascertain that the financial statements comply with the Charities Act 1993. They are also responsible for safeguarding the assets of the Church and hence for taking reasonable steps for the prevention and detection of fraud or other irregularities.

Signed on behalf of the Trustees

Luke Crowter

07 October 2024

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REPORT OF THE INDEPENDENT EXAMINER TO THE TRUSTEES OF

SILVER STREET COMMUNITY CHURCH

I report on the accounts of the Church for the year ended 31 December 2023, which are set out on pages 7 to 16.

Respective responsibilities of trustees and examiner

The Church’s trustees are responsible for the preparation of the accounts. The Church’s trustees consider that an audit is not required for this year (under section 43(2) of the Charities Act 1993 (the 1993 Act)) and that an independent examination is needed.

It is my responsibility to:

Basis of independent examiner’s report

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

Independent examiner’s statement

In connection with my examination, no matter has come to my attention:

(2) to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

AP Whitehead ACA 34 Illingworth Way Enfield Middlesex EN1 2PA 30 September 2024

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SILVER STREET COMMUNITY CHURCH

STATEMENT OF FINANCIAL ACTIVITIES

for the Year Ended 31 December 2023

Notes Unrestricted
funds
Restricted
funds
Total
2023
Unrestricted
funds
Restricted
funds
Total
2022
Income £ £ £ £ £ £
Donatons and legacies 2 104,443 15,225 119,668 80,604 11,383 91,987
Investment andproperty 3 1,254 - 1,254 2,178 - 2,178
Charitable actvites 989 - 989 1,152 - 1,152
Other income - 33,500 33,500 - - -
Total 106,686 48,725 155,411 83,934 11,383 95,317
Expenditure
Church actvites 4 (77,162) (51,812) (128,973) (82,465) (10,436) (92,901)
Total (77,162) (51,812) (128,973) (82,465) (10,436) (92,901)
Net income 29,524 (3,087) 26,438 1,469 947 2,416
Transfers between funds 76,866 (76,866) - - - -
Net movement in funds 106,390 (79,953) 26,438 1,469 947 2,416
Total funds brought
forward
557,616 83,969 641,585 556,147 83,022 639,169
Total funds carried
forward
10 664,006 4,016 668,023 557,616 83,969 641,585

CONTINUING OPERATIONS

All income and expenditure has arisen from continuing activities.

The notes on pages 10-16 form part of these financial statements.

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SILVER STREET COMMUNITY CHURCH

BALANCE SHEET

At 31 December 2023

At 31
December
2023
Notes 2023 2022
£ £
Fixed assets
Tangible assets 7 1,101,335 519,945
Current assets
Debtors 8 5,857 3,000
Cash at bank and in hand 54,229 118,640
60,086 121,640
Creditors: Amounts fallingdue within oneyear - -
Net current assets 60,086 121,640
Creditors: Amounts fallingdue afer more than oneyear (493,398) -
Total net assets 668,023 641,585
The funds of the charity
Restricted funds 9 4,016 83,969
Unrestricted funds
-
Fixed asset fund
9 607,936 519,945
-
General fund
9 56,070 37,671
Total unrestricted funds 664,006 557,616
Total funds 668,023 641,585

The financial statements were approved by the Board of Trustees on 07 October 2024 and were signed on its behalf by:

.............................................

Luke Crowter - Trustee

07 October 2024

The notes on pages 10-16 form part of these financial statements.

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SILVER STREET COMMUNITY CHURCH

CASH FLOW STATEMENT

for the Year Ended 31 December 2023

2023 2022
£ £
Cash fows from operatng actvites
Cashgenerated from operatons 27,687 5,598
Cash fows from investng actvites
Interest received 1,254 2,178
Change in cash and cash equivalents in the reportng period 28,941 7,776
Cash and cash equivalents at the beginning of the reportng period 118,640 110,864
Cash and cash equivalents at the end of the reportng period 147,581 118,640
RECONCILIATION OF NET INCOME TO NET CASH FLOW FROM OPERATING
ACTIVITIES
Net income for the reportng period from the Statement of Financial Actvites 23,581 2,416
Adjustments for:
Depreciaton charges 5,360 5,360
Investment andpropertyincome (1,254) (2,178)
Increase in debtors - -
Net cash from operatng actvites 27,687 5,598

The notes on pages 10-16 form part of these financial statements.

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SILVER STREET COMMUNITY CHURCH

Notes to the Financial Statements

1. ACCOUNTING POLICIES

Basis of preparing the financial statements and assessment of going concern

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective October 2019)', the Charities Act 2011 and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.

The trustees consider that there are no material uncertainties about the Church's ability to continue as a going concern.

Incoming resources

Voluntary income is received by way of donations and gifts and is included in full in the Statement of Financial Activities when it is receivable. Legacies and donations are included in the Statement of Financial Activities in the year in which they are received.

Donations arising under Gift Aid are accounted for on the date of receipt and provisions are made for income tax remaining unclaimed at the year end.

No value of services by volunteers has been included in these accounts.

Expenditure

Gifts and donations represent amounts paid by the Church to support organisations with similar aims including the support of members of the church undertaking work in furtherance of the gospel outside with other organisations.

Debtors

Trade and other debtors are recognised at the settlement amount. Prepayments are valued at the amount prepaid.

Cash at bank and in hand

Cash at bank and in hand includes; cash, bank current accounts and bank deposit accounts with no withdrawal limitations.

Creditors

Creditors are recognised where the charity has a present obligation resulting from a past event that will result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors are recognised at their settlement amount.

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SILVER STREET COMMUNITY CHURCH

Notes to the Financial Statements

1. ACCOUNTING POLICIES (Continued)

Tangible fixed assets

Fixed assets for use by the Church with a value of greater than £1,000 are capitalised at cost and depreciated. Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Freehold property

1% reducing balance

Taxation

The Church is exempt from tax on its charitable activities.

Fund accounting

Restricted funds

The Manse Fund comprises gifts given by individuals to fund staff accommodation.

Unrestricted funds

The general funds are donations and other income received or generated for the objects of the Church without further specific purpose.

The Fixed Asset Fund represents the book value of other freehold property and tangible assets.

The Music Lesson Fund represents a donation to provide music lessons for people connected with the Church.

Financial instruments

The Church only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially measured at transaction value and subsequently measured at their settlement value.

Pensions

The Church contributes to pension schemes nominated by the staff. The contributions are accounted for in the period in which they are receivable.

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SILVER STREET COMMUNITY CHURCH

Notes to the Financial Statements

2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2.
Donatons and legacies
2023 2023 2023 2022 2022 2022
Unrestricted
funds
Restricted
funds
Total
funds
Unrestricted
funds
Restricted
funds
Total
funds
£ £ £ £ £ £
Regulargiving 72,695 - 72,695 53,675 - 53,675
Other donatons 11,128 14,850 25,978 12,288 11,383 23,671
Gif aid 20,620 375 20,995 14,641 - 14,641
Total 104,443 15,225 119,668 80,604 11,383 91,987
3.
Investment income
2023 2023 2023 2022 2022 2022
Unrestricted
funds
Restricted
funds
Unrestricte
d funds
Unrestricted
funds
Restricted
funds
Unrestricted
funds
Rental income 300 - 300 1,800 - 1,800
Bank interest 954 - 954 378 - 378
Total 1,254 - 1,254 2,178 - 2,178
4.
Charitable actvites
4.
Charitable actvites
4.
Charitable actvites
4.
Charitable actvites
4.
Charitable actvites
4.
Charitable actvites
4.
Charitable actvites
2023 2023 2023 2022 2022 2022
Unrestricted
funds
Restricte
d funds
Total
funds
Unrestricte
d funds
Restricted
funds
Total
funds
£ £ £ £ £ £
Christian ministry
Income 989 - 989 1,152 - 1,152
Expenditure
Staf costs 32,438 - 32,438 29,886 - 29,886
Outreach, and
development
962 5,288 6,249 1,140 - 1,140
Mission organisatons 7,024 - 7,024 6,769 - 6,769
Premises costs 15,568 - 15,568 27,049 - 27,049
Other costs 15,810 46,524 62,334 12,261 10,436 22,697
Depreciaton 5,360 - 5,360 5,360 - 5,360
Expenditure Total 77,162 51,812 128,973 82,465 10,436 92,901

5. Trustees remuneration and benefits

Remuneration during the year was paid to one trustee – Luke Crowter, totalling £28,880 (2022: £24,998) in respect of his employment as Pastor of the Church along with pension contributions of £2,160 (2022 £1,981). Luke received no remuneration for his involvement as a trustee.

No other benefits were received, or expenses reimbursed by trustees during the year ended 31 December 2023 or 2022.

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SILVER STREET COMMUNITY CHURCH

Notes to the Financial Statements

6.
Staf costs
6.
Staf costs
6.
Staf costs
6.
Staf costs
6.
Staf costs
6.
Staf costs
6.
Staf costs
2023 2023 2023 2022 2022 2022
Unrestricted
funds
Restricted
funds
Total
funds
Unrestricted
funds
Restricted
funds
Total
funds
£ £ £ £ £ £
Wages and salaries 28,800 - 28,800 26,416 - 26,416
Pension costs 2,160 - 2,160 1,981 - 1,981
Support services(ETCC) 1,577 - 1,577 1,482 - 1,482
Total 32,537 - 32,537 29,879 - 29,879

The Church paid ETCC for the support cost for financial administration services. T he average number of employees during the year was as follows;

2023 2022
No. No.
Pastor 1 1

7. Tangible fixed assets

Freehold
property
Total
£ £
Cost
Cost at the beginningof theyear 536,025 536,025
Additons 586,750 586,750
Cost at the end of theyear 1,122,775 1,122,775
Depreciaton
At the beginningof theyear (16,080) (16,080)
Charge for theyear (5,360) (5,360)
At the end of theyear (21,440) (21,440)
Net book value at beginningof theyear 1,101,335 1,101,335
Net book value at the end of theyear 519,945 519,945

With effect from January 2020 the title to the Silver Street Community Church building was donated to the Church from Enfield Town Community Church. The value was based on the net book value at the date of transfer. The trustees of the Church believe that this value represents the value in use to the Church.

8. Debtors: Amounts falling due within one year

2023 2022
£ £
Gif aid recoverable 5,857 3,000
Total 5,857 3,000

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SILVER STREET COMMUNITY CHURCH

Notes to the Financial Statements

8. Creditors: Amounts falling due after more than one year (continued)

2023 2022
£ £
Mortgage loan 368,398
HousingEquityloan 125,000 -
Total 493,398 -

Both the Mortgage loan and the Housing equity loan are secured against the staff accommodation acquired by the Church in Bromley Road, London N17.

The mortgage loan is provided by Kingdom Bank with twenty nine years remaining at 31 December 2023. There is a covenant requirement for the Church to hold minimum reserves of £15,200. The interest at 31 December was 5.4%.

The housing equity loan is provided by HAF with nine years remaining at 31 December 2023. The interest rate at 31 December was 5%. HAF have a 32.98% interest in the property. The Pastor, Luke Crowter has purchased an option to acquire the HAF share of the property at a £33,500 which was paid to the Church Manse Fund and treated as other income.

9. Movement in funds

9.
Movement in funds
Balance at
1 January
Income Expenditure Transfer
s
Balance
at 31
December
2023 £ £ £ £ £
Unrestricted funds
General fund 37,671 106,686 (77,162) (11,125) 56,070
Fixed asset fund 519,945 - - 87,991 607,936
Total unrestricted funds 557,616 106,686 (77,162) 76,866 664,006
Restricted funds
Manse fund 75,176 45,000 (43,317) (76,859) -
Outreach fund 6,450 - (5,288) - 1,162
Music Lesson Fund 1,000 - (266) - 734
Fellowship and restricted gif
fund
1,343 3,725 (2,941) (7) 2,120
83,969 48,725 (51,812) (76,866) 4,016
Total 641,585 152,554 (128,973) - 668,023
2022 £ £ £ £ £
Unrestricted funds
General fund 30,842 83,934 (82,465) 5,360 37,671
Fixed asset fund 525,305 - - (5,360) 519,945
Total unrestricted funds 556,147 83,934 (82,465) - 557,616
Restricted funds
Manse fund 82,375 2,000 (9,199) - 75,176

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Outreach fund - 6,450 - - 6,450
Music Lesson Fund - 1,000 - - 1,000
Fellowshipfund 647 1,933 (1,237) - 1,343
83,022 11,383 (10,436) 83,969
Total 639,169 95,318 (92,902) 641,585

The Manse Fund comprises gifts given by individuals to fund the purchase of staff accommodation.

The Music Lesson Fund represents a donation to provide music lessons for people connected with the Church.

The Fixed Asset Fund represents the book value of other freehold property and tangible assets.

The General Fund is donations and other income received or generated for the objects of the church without further specific purpose.

12. Net assets by funds

Fixed
assets
Bank
and cash
Other net
current
assets
Balance
at 31
December
2023 £ £ £ £
Unrestricted funds
General fund - 50,213 5,857 56,070
Fixed asset funds 607,936 - - 607,936
Total unrestricted funds 607,936 50,213 5,857 664,006
Restricted funds
Fellowshipfund - 2,120 - 2,120
Manse fund - - - -
Music Lesson Fund - 734 - 734
Outreach fund - 1,162 - 1,162
Total restricted funds - 4,016 - 4,016
Total funds 607,936 54,229 5,857 668,023
2022
Unrestricted funds
General fund - 34,671 3,000 37,671
Fixed asset funds 519,945 - - 519,945
Total unrestricted funds 519,945 34,671 3,000 557,616
Restricted funds
Fellowshipfund - 1,343 - 1,343
Manse fund - 75,176 - 75,176
Music Lesson Fund - 1,000 - 1,000
Outreach fund - 6,450 - 6,450
Total restricted funds - 83,969 - 83,969
Total funds 519,945 118,640 3,000 641,585

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9. Related parties

The Church provides staff accommodation at Bromley Road, London N18 to Luke Crowter, Pastor of the Church. No rent is paid for the occupancy of Bromley Road.

M Crowter paid the Church £33,500 to purchase an option to purchase 32.98% of Bromley Road currently owned by HAF under the terms of the Housing equity loan.

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