ort of the Trustees and
Financial Statements
for the
ear ended 31 December 2025
for
Brownhill Road Ba
tist Church

Brownhill Road Baptist Church
Contents
Page
Charity Infomiation
Report of the Trustees
Independent Examinels Report
Receipts and Payments Account
Statement of Assets and Liabilities
Notes to the Financial Statements

Brownhill Road Baptist Church
Le
al and Administrative Infonnation
Registered Charity Address
292 Brownhill Road
Catford
London
SE6 1AU
Registered Charity Number
1185320
Charity Trustees
Revd Armend Qehaja (Chairl
Andrew Grimwade {Treasurerl
Hui Min Langridge
Herma Lewis
Cing Sian Kop Mung
Sena Olabisi
Noel Pinnock
Emelda Small
(from 1 January 2026)
Custodian Trustee {Propertyl
London Baptist Propety Board Limited
Unit C2, 15 Dock Street
London
E1 8JN
Bankers
CAF Bank Ltd
25 Kings Hill Avenue
Kings Hill
West Malling. Kent
ME19 4JQ
Independent Examiner
A J Bennewith FCA, FCPA, FFA, F￿A, FIPA, DChA, FRSA
18 Famham Road
Guildford
Surrey
GU14XA
Page 1

Brownhill Road Baptist Church
Re ort of the Trustees
ear ended 31 December 2025
for the
The Trustees present their report with the financial statements for the year ended 31 December 2025
Reference & Administration
Al general infornialion relating to Brownhill Road Baptist Church can be found on page 1.
Financial Review
The results for the year are as set out in the annexed Receipts and Payments Account.
Structure, Go￿rnance, & Managem$nt
-The charity is controlled by the Trustees. The present Charitable Incorporated Organis*ion {CIOI was
registered by The Charity Commission in September 2019, wffch Charty number 1185320. The assets,
liabilities and activities of the Church were transferred from the former unincorporated charity with
effect from 26 June 2020.
-The Trustees consider that there are sufficient reserves lo maintain our regular a¢livrfcies.
Refurbishment work is being funded from reserves, together with a loan facility from the custodian
trustee. Potential risks have been considered and taken into account in planning for the ftjture.
Trustees serve for a lemi of not more than three years {and may be re-elecledl and are given
training on appointment. All lay trustees attanded a Baptist update course in March 2025.
Objectives & Activities
The aims of the charity are summed up in the church's mission slalement." to praclise and promote the
worship of God, lo be a loving Christian community and to spread the Christian gospel in the locality
and, through our support of others, the wder worfd. Al our activities follow from these three aims.
Achievements & Performance
During the year the church recewed regular income sufficient to maintain its ministy and activities in the
community, and to fuffil our responsibilities for the upkeep of our premises.
We have continued to reach out to our local community through Friendship space. held twice monthly, providing
activities such as fitness sessions. craft, music and digital support. In October we hosted a coffee moming
in aid of Macmillan Cancer Relief,. this event was well attended and supported within the community.
We have also welcomed several childrens. birthday parties, a weekly study group and a conference,
and a Council ward meeting. Some of our members look part in an ecumenical service for Wortd Day of Prayer.
In our church we have welcomed many of diverse backgounds lo our Sunday servi¢es and midweek online
gatherings for study and prayer_ Our recent focus has been on deepening connections of faith and wttness
thin and beyond our building.
We have provided activities for children on Sundays and Monday evenings, which we hope to continue to grow,
and Farth Hub, for older teenagers and young adults. provides space for study and social interaction.
Growing Patch, the nursery that uses one of our haSls, ha5 been able to maintain its worf( throughout the year.
We contributed lo a variety of outside causes (listed in note 7 to the financial statements).
Plans for Future
In the future the church plans lo continue. under God's guidance, to seek lo further its aims, especially the spiritual
and numerical growth of our Christian community. We are hoping lo continue to build on what we have begun
in our reftjrfoished building since 2022, with charity, communty and social events. We will continue to welcome
and support our local eommunity, and are exploring new ways of fulfilling our mission objective.
We are progressing plans lo complete the refurbishment of the interior of our buildings and its extemal acces5
over the next tso years_ A loan facilty has been agreed with our custodian trustee, London Baptist Propety
Board, which wll be drawn on as needed along with our own resources.
Page 2

Brownhill Road Baptist Church
Re
ort of the Trustses
continued
statement of Trustees. Responsibilities for the year ended 31 December 2025
Charity law requires the Trustees to prepare in respect of each accounting period of the charity a
slalement of accounts complying with such requirements as to its form and content as may be
prescribed by regulations made by the Secretary of State. In piepaTing those financial statements,
the trustees are required to=
select suitable accounting policies and then apply them consistently-,
observe the methods and principles in Ihe Charity SORP.,
make judgements and estimates that are reasonable and prudent-
prepare the financial statements on the going concern basis unless it is inappropriate
to presume that the charity will continue to operate.
The Trustees are responsible for keeping proper accounting records which disclose with reasonable
accuracy at any time the financial position of the charity and enable them to ensure that the financial
statements comply wtth Ihe Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008
and the provisions of the trust deed. They are also responsible for safeguarding the assets of the
charity and hence for taking reasonable steps for the prevention and deteclion of fraud and other
irregularities.
On Behalf of the Managing Trustees-
Andrew Grimwade
Trustee
Dated..
May 14, 2026
Page 3

Brownhlll Road Baptist Chur¢h
Inde
endent Examiners Re
ort to the Trustees of
Brownhill Road Ba tist Church
I report to the trustees on my examination of the accounts of Brownhill Road Baptist Church (the Charity}
for the year ended 31 December 2025. which are set out on pages five to nine.
Responsibilities and basis of report
As the charty trustees of the Charity you are responsible for the preparation of the accounts in
accordance with the requirements of the Charities Act 2011 ("the Act").
I report in respect of my examination of the Charitys accounts carried out under sectton 145
of the 2011 Act and in carrwng out my examination I have followed all the applicable Directions
given bythe Charity Commission under section 145 (5) (b} of the 2011 Act.
Independent examinerf$ statsment
I have completed my examination. I confirm that no material matters have come to my attention
in connection with the examination giving me cause to believe that in any malerial respect"
accounting records were not kept in respect of the Charity as required by section 130
of the Act,. or
the accounts do not accord with those records-, or
the accounts do not comply with the applicable requirements concerning the form and contsnl of
accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any
requirement that the accounts give a true and fair view which is not a matter considered as part of
an independent examination.
I have no concerns and have come across no other matters in connect(on with the examination
to which attention should be drawn in this report in order to enable a proper understanding of the
accounts to be reached.
AJ Bennewith FCA. FCPA, FFA. FFTA, FIPA, DChA, FRSA
3 Wey Court
Mary Road
Guildford
Surrey
GU14QU
Date." £1 rl
Page 4

Brownhill Road Baptist Chur¢h
Recei
forthe
tsandPa
ments Account
earended 31 December 2025
Total
Funds
2025
Total
Funds
2024
Unrestricted
Funds
Designate
Funds
ReStri￿d
Funds
Note5
Recèipts
Voluntary resour￿..
Gift Aid ￿￿[pts
Small donations
other donations and sundry re￿Ipts
Grants from statutory bodies
Legacies
T8x refunds
Giwng specrfied for other causes
57,718
7.073
1,1S5
163
6,111
63.990
7,533
1,295
55.513
8.810
5.480
500
287
17,056
9.756
100
15.842
41
1.334
9.587
17,217
9,587
81.786
244
17.592
99.622
97,402
A¢bvities for geETerating fvnds..
Li￿nCeS1d0n3IIonS for use of church premises
Rents from letting church propety
17,647
17.647
25.652
43.299
15,520
23,408
38,928
25.652
25.652
17.647
Investment inrxime..
Deposit intep$t
3.059
3.059
2.991
Total receipts
102.492
25.896
17.592
145,980
139.321
Payments
Don8tions for other causes
Other grants and events
Ministry
Upkeep of church premise5 and contents
Maintenance of church properties
Gener81 church expansas
1,514
1,574
45,058
29.323
5.687
7,201
1,974
45.058
37.010
3.765
5.445
11.422
2.g81
44.116
37,642
8,919
6,273
400
5.657
3.765
2,030
5.445
Total payments
82.914
9.822
7.717
100.453
109.353
Net re¢¢iptsllpaymentsl
19,578
18.074
9.875
45,527
29,968
Transfers betsveen funds
120,0001
20,000
Balances broughtforward
51.118
53,336
14,223
118.6TT
88.709
Balan¢es ¢arried fo]war(I
£ 50,696
8g.410
£24.098 £ 164,204
118.6TT
Page 6

Brownhill Road Baptist Church
Statement of Assets and Liabilities
as at 31 December 2025
Unrestrieted
Funds
Restricted
Funds
Total
31-Dec-25
Total
31-De¢-24
Ireftirmattedl
Monetary assets:
London Baptist Propety Board deposits
CAF Bank accounts
Lalpay account
60.581
79.219
306
60,581
103,317
306
58,688
48,842
269
24,098
Total monetary assets
140,106
24,098
164,204
107,799
Funds:
Unrestricted funds
Designated funds
Restricted funds
50,696
89.410
24,098
51,118
53,336
14,223
£164,204
£118,677
Other assets
Tax reclaim due from HMRC
17,057
Liabilities
Specified donations to be paid away
Held for Thursday Afternoon Fellowship
Licence fee deposit
Payroll taxes due
3,900
4,445
293
1,200
1,441
Approved by the Managing Trustees on 14 May 2026
and signed on their behalf by..
Andrew Grimwade
Treasurer
Page 6

Brownhill Road Baptist Church
Notes fonnin
for the
rt of the Financial Stateménts
ear ended 31 December 2025
Accounttn
olicies
Accounting Convention
The ffnancial statements of the charity have been prepared in accordance WFth the Charities
Act 2011. The accounts have been prepared undèr the historical cost convention
using the Receipts and Payments basis applicable to small charities.
Income and expenditure recognition
Voluntary income is received in (3sh by way of donations and is included when received.
Reclaimed Tax is included On￿ the claim ha5 been submitted to HM Revenue & Customs.
Items of expenditure are included when paid.
Fund$
Rostricted funds: represent al income from trusts which may be expended only on those
restricted objects provided in the temis of the trust or bequest, and bl donations re￿iVed
or requested for a specific purpose. The funds may only be spent on the specific purpose
for which they were given. and balances unspent each year must be carried forward.
Unrestrictsd funds- are general fvnds which can be used for the ordinary purposes of the
church.
Designated funds: are sums set aside out of general funds for Sp￿IfiC designated
purposes. They can be transferred back to unrestricted funds at any time.
Fixed assets
The church building and Dther Injsl properties are vested in the London Baptist Propety
Board, and form no part of the assets of the church charity. Moveable church contents have value
only in the context of church lrfe and are not valued. Expenditure incurred on the church
PTemises, the manse and their Contents is written off when incurred.
Value Added Tax
The charity is not r￿1$tered for VAT and all costs are inctusive of VAT.
Page 7

Bfownhill Road Baptist Church
Funds
BalaThce
brought
fvrward
Receipts
Payments
Trdn5fer5
Balan
eamed
fotward
Unrestricted fut7ds
General a¢¢ount
Legacy account
Total
DesigE)ated funds
Benevolent
F8bric
33.148
17.972
51,118
102,492
78,543
4,371
82.914
120.0001
37.095
13.601
50,696
102.492
20.000
1,208
52.128
53.336
244
25.652
25,896
400
9,422
9,822
1.052
88.358
89.410
20.Q)00
20.DOO
Total
Restri¢t•d funds
uilding upgrade
Garden project
Giving specthed for othercauses
Students
child￿n5
6.979
3.755
7,405
600
9.587
720
80
5.687
13.664
4.275
3.900
271
1.988
24.098
271
3.218
14.f3
1.230
7.717
Total
17,592
Totsl funds
£ 118.677
£145.980
£ 100.453
164,204
Designated fun¢ts". the Benevolent fund ￿presents money avaTlablo forthe neads of TndwiduaLs 8t the
ministerfs discretion.
The Fabric fund represents money set8Skle for maintenanc£ of the church buildings and other propertie5.
Restricted funds- the Building upgrade fund holds sp8crfic donatK)ns for planned woth to improve the
church buildings. which ComMen￿d in 2020 and contsnues. Certain specific costs have been covered from
legacies. and a transfer frorn Fabric fund has elirnin8ted any outstanding deficit 8t a reporting date.
The Garden project has developed the church frontage as a community garden, part fvnded by lor21
community ftJnd$. It wll be used to renew the garden after bu1￿1ng works are cornp￿te.
The Students fund represents grfis to help ouryoung people with their Studies.
The Childrens work fund ￿p￿sents funds formerly held on beha￿ of ehiklrens, clubs and now
being used for geneml chi￿ren'S work.
8uildin
b the cha
As stated in note 1, s￿81 ownership of the churth buildings and other propertw rests with the London Baptist
Propety Board knmTted as cust￿18n twstee. The charity is responsible for insurdnce and m8intenance, and
the properties are insured Mth Congregation31 & General Insur8no plc. The church buildings and contents
are insured for £9.212.000. The iwo houses at 65 Callantler Road SE8 and 44 Broadfield Road SE6. whi¢h
are Trspectivety used 85 a manse and tenanted as trust property. are insured for£430,000 and £482,000.
nses and Temuneratton
No expense payments were made to trustees fortheir sewvice5 during the year. norwa5 8Try remuneration
paid to any of the trustee5. A stipend was paid lo Revd Amend Qehaja in respect of his role as a Baptist rninu8ter.
Fwe trustees or their re18ted parties were reimbursed for amounts paid on behaW of the Church.
Relatsd rties
The charity is controlw by the trustees.
Page 8

Brownhill Road Baptist Church
Pensro
The Churrh i8 an employer partiopating in a pension stherne kn¢)wn as the Baptist PerEion Scherne flhe Scheme'l.
The Scheme a separdte legal entrtywhi¢h 15 admink%teied bythe Pension Trustee IBapJ5t Pension Trust ￿mited).
The Minisler 18 a member of the Scheme.
Since January 2012. pension prO￿$10n has been made through the Defined Contribubon IDCI Plan wlhin Ihe Scheme.
In general. members pay 8% oftheir Pen5i0nable Intome and employers pay 6% of members. Pensionable Income
into in(Sividu81 pension accounts, which are operated and rnanaged on behalf of the Pension Trustee by Legal and
GÈneral Lrfe Assurance SociÈty Litnited. In add￿on, the employer pays a futher4% of PensionabEe Income to cover
De8th in Service Benefft5. adminisiration costs, and an assocraied insur8n¢e policywhich provbaes income proteGtion for
Scheme m&rnbers in the èvenl that they are Unab￿ to work due to long-tem) incapaaty. ThFS p￿iry has been insured bythe
Baptist Union of Great Britain wth Aviva.
The charge induded in ministry costs forthe period ￿preSentS ts ernployer ¢ontributions payable,. the totsl pension cost
forthe Church in 2025 was £4.27212024."£4.1251.
oTratron$ fr>r other causes
rai88d and donated
Totèl
2025
Total
2024
Speufied From fvnds
BMS Worfd Mi551
Home Mission
Spurgeon's Collegeltninisty students
Tearfund
Burma Comp8ssion
Kosova support
Lemshatn Foodbank
Christian8 agÈin5t Povety
Refvge ILeMshatnl
Evangelical Wliance
St Chrf$tophef5 Hospice
2,860
540
874
3,400
3,238
309
792
1.247
273
1.174
273
195
100
3.685
3,351
450
864
1.152
236
1,142
309
792
1.247
273
1,174
273
195
207
100
235
100
9,587 £
1.514
11.422
At Ihe year end £3.900 of the spe¢ified donations Rsed for oth8rcauses had not yel been donated to the cause.
The remaining amounts were don8ted in 2026.
Genèral CIEU￿h ex
2025
2024
Teathing rnatertals and training
Printing, posiage stationery
Telephone and iniemet
Worship resources & mu5
Pvblicty and website
Equipment- donation station. PA system
Banking. accountsncy and Independent examination fee
Subscriptions
Events and refreshments
218
1.608
524
581
531
1.122
291
480
372
1.749
498
319
1.439
1.083
286
463
5.445
6.273
Pay2 9