UNFAILING LOVE
CharSty No 1200953
TRusfEES REPORT AND FINANCIAL sfATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

UNFAIUNG LOVE
TRUSTEES REPORT AND FINANCIAL StATEMENTS
FOR YEAR ENDED 31 DECEMBER 2024
CONTENTS
PAGE
Reference and administrative details
Trustees report
Independent Examinerfs report
Statement of Finanaal Activities
Balance sheet
Notes to the accounts
10-14
Page I

UNFAIUNG LOVE
ADMINIsfRAnVE D￿AILs OF THE CHARfrY. AND rrs TRusfEES
FOR YEAR ENDED 31 DECEMBER 2024
Trustees
Mrs Pauline Coker
Mr Neil Loxley
Mr5 Abimbola Adeoluwa
Correspondence Address
9 Farriers End
Stanway
Colchester
Essex
C03 OYE
Resident Pastors
Pastor Ope Coker - Lead
Pastor Wande Gus - Associate
Bankers
HSBC PLC
High Street
Colchester
Independent Examlner
Akintayo Ojo FCCA
Resource Accountancy Practice
Chartered Certified Accountsnt
46 Hollywood Way
Erith
DA8 2QE
Page 2

UIIFAIL114G LOVE
REPORT OF TRusfEES
FOR YEAR ENDED 31 DECEMBER 2024
The trustees submit their report and financial statements of Unfalllng Love (The Charity.) for the
year ended 31 December 2024. The twstees confimi that the trustee5' report and financial statements
of the charity comply with the statutory requirements of the Chartties Act 2011 and the Charity's
governing document and the provisions of the Statement of Recommended Prattl￿ {SORP) issued in
April 2005.
STRUCTURE, GOVERNANCE AND MANAGEMEKr
Unfailing Love The Charity. was constituted by a trust deed dated l January 2020 and registered with
wlth the Charity Commission as a tharity in England and Wales on 9 November 2022.
APPOINTMENT OR ELEcfIoN OF MANAGEMENT COMMrrTEE OR TRusfEES
The trustees are appointed and or co-opted under the terms of the charity's governing document.
POLICIES ADOPTED FOR THE INDucfioN AND TRAINING OF NEW TRusfEES
The Induction process for a newly appointed trustees comprises of an initial meeting with the chair of
of the board and other trustees, followed by short meetings hvith the Lead Pastor on the powers and
responslbillties of the trustees.
QRGANISATIONAL sfRucfuRE AND DECISION MAKING
The charlty is organised so that the trustees meet regularly to manage its affairs. The General
secretsry manages the day to day administration of the thurch with assistance from the minlster5.
RISK MANAGEMENT
The trustees have a55e55ed the major risks to whith the charfty is exposed, in particular those
relating to the operations and finances of the tharity. and are satlsfied that systems are in pla
to mitigate our exposures to major risks. However consultation and review of our systems are
regularly undertaken, In order to ensure they ￿maIn up to date and effectlve.
OBJEcfIvES AND AcrJvrrIES
The principal objett is the advan￿ment of Christian religion, and the relief of poverty. To achieve
its objectives, the charity adopted the following stTrtegies:
l. Setting up platforms which facilitates the general public to express their belief in the Chrlstlan
God through worship, religious educatlon and conference5.
2. Or9anising regular events ond meetings and
3. Supporting other charities and Christian events.
Page 3

UNFAILING LOVE
REPORT OF TRUSTEES
FOR YEAR ENDED 31 DECEMBER 2024
PUBLIC BENEFrrs
The Church's Sunday and mid-week serVi￿S as well as prayer meetings a￿ open to the general
public to btjild on their Christian faith. Apart from its Church activitie5, the charity wa5 involved
in the following public benefit efforts-
Holding outreaches in areas of interest to our community, such as engaging with local Initiatives
e.g. donating to the local food bank.
We run a football team in Colchester that is reglstered with the Football Assoclatlon (FA), and
plays in the local football league. As sports provides an opportunity for informal meeting with
and mentoring of the young people.
Our charitable worf< indudes donations to organisations like (Noah'a Ark and baraka Children's
Home) to help relief poverty.
The charity runs leadership training and development meetings in Colthester. The objertive
of the meetings is to provide participants with leadership skills.
Our efforts are geared towards SUPPOFting the programmes of our local community, promoting
cohesion in our community, and impacting the lives of the young people and the elderly.
In establishing the annual plan and activities for the year, which will fijlfil the overall aims of the
organisation, the tnjstees considered the principles of public benefits, testing at the time in Ilne
with the ethos of the Charity's objects of advancing Christian faith in the United Kingdom.
The trustees are aware of the Charlty Commlsslon's guidance on public benefit and have tsken
them into account where relevant, In their planning and declslon making.
GRANT MAKING POLICY
The church supports visiting ministers of the gospel both within and outside the thurch. The
Church supports other charities and missionary that share its objects in the advancement of
Christlan falth and rellef of poverty. The church glves occasional welfare grant to members of
the congregational who are in need, after a careful and thorough assessment.
VOLUNTEERS
The church is grateful for the unstlntlng efforts of its volunteers who are Involved in providing
services for the charity. It is estimated that over 1.560 hours are provided by volunteers during
the year. If this is conservatively valued at £8.00 per hour, the volunteers effort will amount to
over £12,480.
Page 4

UNFAILING LOVE
REPORT OF TRUSTEES
FOR YEAR ENDED 31 DE￿MBER 2024
REVIEW OF AcrIvrrIES
The charfty continues to enjoy tremendous growth in its physical and spiritual life during the
year, and In the advan￿ment of Chrlstian faith in accordance with the doctrines set out in its
Statement of faith
RESERVES POLICY
The trustees, policy is to have unrestricted and uncommitted fvnds (free reserves) to cover 3 to
6 months of resources expended. They feel that this would enable current activities to continue
if there is any significant drop in funding. It would obviously be necessary then to consider how
the funding would be replaced or activities changed. The present free ￿erve is within the policy
range but the trustees are contlnulng to seek addltlonal fvnds to fvrther boost the reseNes.
PRINCIPAL FUNDING
Funding has been provided mainly through tithes and offerings by churth members and through
donations.
FUTURE DEVELOPMENTS
The charity continues to explo￿ varlous ways of spreadlng the gospel of Chrfst In an effectlve
manner. The charity is also looking to create more gathering ￿ntre5, grow in membership and
continue to develop its members to make life-changing impact in the communty.
The charity is particularly interested in helping today's youths to grow in faith and also to be the
the best versions of themselves as (knd intends for them. We are committed to raising leaders
among them.
Page 5

UNFAILING LOVE
REPORT OF TRusfEES
FOR YEAR ENDED 31 DECEMBER 2024
STATEMENT OF TRUSTEES. RESPONSIBiiirtES
The Trustees a￿ responsible for p￿paring the annual report and finanoal statements in accordan
wlth applicable laws and regulations.
Charlty law requi￿$ the trustees to prepare financial statements for each finanual year. Under that
law, the tru5tee5 have elected to Prepa￿ the finanaal statements in accordance with the United
Klngdom Generally Acceptable Accounting Practice (United Kingdom Accounting Standards and
applicable law)- The financial statements are required to give a tnje and fair view of the state of
affairs of the charity and of the surplus or defiat of the charity for that period.
In preparing the financial statements, the trustees are required to".
Select suitable accounting policies and apply them consistentlyi
Make judgement and estimates that are reasonable and prudent"
Prepare the financial ststements on a going Con￿rn basis unless It Is inappropriate to
presume that the charity will continue in operdtion.
The trustees ￿cognise their responsibilities to keep proper accounting records that disclose with
reasonable accura￿ at any time the financial position of the chartty and enable them to ensure
that the financial statements comply with the Companies Act 2006. They are also responsible for
safeguarding the assets of the charity and henceforth taking steps for the preventlon and
detectlon of frdud and other irregularities.
The appended financial statements have been prepared on the accruals basis and have been
examined by an independent examiner, whose ￿port Is also appended.
Approved by the Trustees on 30 October 2025 and signed on their behalf by:
Pauline Coker
Trustee
Nell Loxley
Trustee
Page 6

UNFAIUNG LOVE
INDEPENDENT EXAMINERS REPORT
FOR YEAR ENDED 31 DE￿MBER 2024
TO THE TRUSTEES OF UNFAILING LOVE
I report to the trustees on my examination of the accounts of the above d)arity for the year
ended 31 December 2024 which is set on pages 8 -14
RESPONSIBILITIES AND BASIS OF RE￿)RT
As the charity trustees of the Trust, you are responsible for the preparation of the accounts
in accordan¢e with the requirements of the Charitie5 Att 2011 ("the Art")
I report in respect of my examinatlon of the account carried out under section 145 of
2011 Act and in carryir*g out my examination, I have followed applicable Directions given
by the Charity Commission under section 145(5)(b) of the Art.
INDEPENDENT EXAMLNER'S STATEME
I have completed my examination. I confirm that no material matter5 have ¢ome to my
attentiors in connertion with the examination which gives me cause ro belleve that, in any
material respect:
- accounting ￿cordS were Th)t kept in accordance wlth section 130 of the Art or
- the accounts do not accord with the accountin9 records
I have no concerns and have come acros5 no other mattels kn connection with tre
examinatlon to which attention should be drawn in ortler to enable a proper understanding
of the accounts to be ￿aChed.
Akintayo Ojo FCCA 3c October 2025
ChartetEd Certified Accountant
Resource Accountancy Prartlce
46 Hollywoixj Way, Erith. DA8 2QE
Page 7

UNFAILING LOVE
srATEMENT OF FINANCIAL AcrIvmES
FOR YEAR ENDED 31 DECEMBER 2024
Total
Total
Funds
Funds
Funds
Funds
Notes
2024
2024
2024
2023
Incomlng resources
Donatlons & incoming resources
Total incoming resour
33,896
33,896
33.896
33,896
27.926
27,926
Resources expended
Grants payable - Instltutlonal
Activities in furtherance of charity's objects
Support costs
Management and governance cost
Total resources expended
750
38,044
5,985
3,585
48,364
750
38,044
5,985
3,585
48,364
5.462
11,278
5,961
I,ioo
23,801
Net(outgoing)/incoming re50urce5 for the year
14,468
14,468
4,125
Total funds at the start of the year
44,777
44,777
40,652
Balance at the end of the year
30.309
30,309
44.777
Page 8

UNFAILING LOVE
BALANCE SHE
FOR YEAR ENDED 31 DECEMBER 2024
Total
Total
Fund•
Fund•
Note5
2024
2023
Flxed Assets
Tangible fixed assets
7,259
1,005
Current assets
Cash at bank
Receivables
19,710
15,850
35,560
37,922
6,500
44,422
Total Assets
Less: Current Llabllltles:
42,819
45.427
Creditors: Amount falling due withln
One year
Net assets
12,510
30.309
650
44,777
Flnanced BY: Charlty funds
General - restricted
General - unrestrlcted
30,309
30,309
44,777
44,777
The accounts have been prepared in accordan￿ wlth the spthl prov&"on of 5tatemert of Recornmended
Practi￿.. Accounting and Reporting by Charibes {SORP) March 2005 as rnodffied for smaller tharftles
Approved by the Tnjstees on A) ortober 2025 and slgned on their behalf by:
Mrs Pauline Coker
Trustee
Neil Loxley
Trustee
Page 9

UI4FAIL114G LOVE
NOTES TO THE ACCOUNTS
FOR YEAR ENDED 31 DECEMBER 2024
I. ACCOUPMNG POLICXES
{l.l) Bas1$ of preparatlon of flnanclal statements
These accounts have been prepared under the historical cost convention and In accordance
with the Financial Reporting Standard for Smaller Entities (effective April 2008) .The financial
statements have been prepared with Statement of Recommended Pract1￿ (SORP), "Accounting
and Reporting by Charlties" publlshed In March 2005 and appllcable accountlng standards.
{1.2) Incom•
All income is ￿OgnISed once the charity has entitlement to the income, it is probable that the
income will be received and the amount of income receivable can be measured reliably.
Income tax recoverable in relation to investment income is reco9nlsed at the time the investment
Income Is recelvable.
(1.3) Exp•ndltura
Expenditure Is recognised once there Is a legal o)nstructlve obiigatlon to transfer economlc beneflt
to a thlrd party, It Is probable that a transfer of economic benefits will be requlred In settlement
and the amount of obllgatlon can be measured rellably. Expendlture Is classlfled by actlvlty. The
costs of each activity are made up of total of direct costs and shared costs, Including support
costs Involved In undertaking each attivlty.
(1.4) Fund Ac¢ountlng
General funds are unrestrltted funds whlch are avallable for use at the dlrectlon of the Trustees In
furtherance of the general objectives of the charlty and whlch have not been deslgnated for other
purposes. Re$trtrted fvnds a￿ funds whlch are to be used In accordantr wlth the specific
restrlctlons imposed by the donors whlch have been rdised by the charity for a partlcular purpose.
The cost of raising such funds are itharged agalnst the speclfic fund. The aim and use of each
restricted fund is set out in the notes to the financial statements where appllcable.
(1.5) Cash flow
The flnanclal statements do not indude a cash flow because the church, as a small reportlng entity
is exempted from the requirement to prepare such a statement under the Financial Reporting
Standard for Smaller Entlues (effeciive 2002)
(1.6) Tanglble fixed assets depreclatlon
Tlie Cl?oi Ily'¥ ian9lble nxed asset pollcy Is to caplta115e all a55ets G05tlng more than £500.
Tangible assets are carried net of depreciation and any provision for impalrment. Depreclauon Is
Icu1ated as follows: Equipment
25% Straight Ilne
Page 10

UNFAIUNG LOVE
NOTES TO THE ACCOUPtrs
FOR YEAR ENDED 31 DECEMBER 2024
Tot•l
fvnd•
Fund•
Fund•
Fund•
2024
2024
2024
2023
2. DONATIONS, LEGACIES AND SIMI￿￿ IPICOMING RES<)URCES
Tlthes
General offertng
Glft aid daims
15,019
3.404
15,473
33,896
15,019
3,404
15,473
33,896
26,151
1,775
27,926
Totsl
Fuhd•
2024
FuDd•
Fund#
X•24
2024
2023
3. Grants payable - Institutlonal
Charltable glving -UK
Charitable glvlng -overseas
Total
750
750
2,962
2,500
5.462
750
750
2024
a024
1024
2023
Llst of Instltutlonal grants payable
Central Offlce Funds
World Evangellsm Fund
Other charities
Total grdnt payable - Instltutlonal
MlssSon support
Mlsslon support
Charity support
350
350
250
1,212
1,500
2,962
400
750
400
750
Totsl
Punds
Pund•
Pund•
Fund•
4. COST OF AcrivmES IN FURTHERANCE OF
CHARfNs 08JECTS
Charfty events
Prlntlng & publiclty
Travel & sub5iStence
Motor expenses
staff cost
Faith Ilfe
Welfare & hospltallty
Semlnar & conference
Worshipt music & liturgy
Visiting minlsters, expenses
Missions & outreach
Hall hire
2024
2024
2024
2023
1,155
916
432
600
327
5,476
17.467
600
327
5,476
17,467
698
583
412
236
600
4,514
200
732
250
4,514
200
732
250
2,439
6,040
38.044
2,439
6,040
38.044
710
5,536
11.278
Page 11

UNFAILING LOVE
NOTES TO ThE ACCOU￿rS
FOR YB4R ENDED 31 DECEMBER 2024
Total
Total
Fund•
Fyt¥ls
Funds
2024
2024
2024
2023
5. SUPPORT CO
Zoom Cost
Telephone & rr Consumables
Insurance
Depreciation
Admin charges
Other costs
187
708
102
3.298
1,285
405
5,985
187
708
102
3,298
1,285
405
5,985
183
1,817
1,648
1,640
672
5,961
6. MANAGEMEKf AND GOVERNANCE cosrs
Total
Totsl
Futtd*
Fund•
Funds
Fund¥
2024
2024
2024
2023
Professional fee5
Accountancy Fees
Independent Examiners Fees
2,735
450
400
3.585
2,735
450
400
3,585
450
350
300
I,ioo
10. TANGIBLE FIXED ASSErs
Motor
Musical Computers &
Vehide equipment
projectors
Total
31-Dec
2023
Total
31-Dec
2022
At l January 2024
Additions
At 31 December 2024
1,123
552
1.675
5.472
6,595
9,552
16,147
5,255
1,340
6,595
9.000
9,000
5,472
Depreciation
At l January 2024
Charge for the year
At 31 December 2024
Net book value
At 31 De￿mber 2024
4.842
630
5,472
5.590
3.298
8,888
3,942
1,648
5,590
2.250
2,250
418
1,166
6,750
509
7,259
1,005
At 31 December 2023
375
630
1.005
Page 12

UNFAILING LOVE
NOTES TO THE ACCOUNTS
FOR YEAR ENDED 31 DECEMBER 2024
7. Current Assets
Year ended Year ended
31-Dec
31-Dec
2024
2023
Cash at bank
19,710
19,710
37,922
37,922
8. DEBTORS AND PREPAYMEKrs
Year ended YÈJr ended
31-Dec
31-Dec
2024
2023
Debtors
15,850
15,850
6,500
6,500
8. CREDITORS AND ACCRUALS
Year ended Year ended
31-Dec
31-Dec
2024
2023
Accrued - accountancy & examlnerfs fees
Other credltors
850
11,660
12,510
650
650
9. RELATED PARTY TK4NSAcfIoNS
Durlng the year, the charlty dld not engage any one related to the charity trustees of thelr
relatlon.
10. Nrr rNCOMING RESOURCESI(RESOURCES EXPENDED)
Thi5 IS Stated after charging
Year ended Year ended
31-Dec
31-Dec
2024
2023
Depreclatlon of tangible assets owned by the charity
Accountant's fees
1,314
850
1,314
650
11. TRu>fEES REMUNEFWTION
Year ended Ye•r ended
31-Dec
2024
NIL
NIL
31-Dec
2023
NIL
NIL
During the year, no tnjstee recelved any remunerdtion
During the year, no trustee received any benefits in klnd
12. TAXATION
Unfailing Love 15 a un-incorporated charrty and all of rts activities are tax exempt under rules of
taxatlon granted to charities.
Page 13