2024-12-31-accounts - The Parochial Church Council Of The Ecclesiastical Parish Of Blackbird Leys, Blackbird Leys, Diocese Of Oxford

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Report and Financial Statements for Blackbird Leys Parochial Church Council

incorporating the life and witness of Holy Family Blackbird Leys Single Congregation Local Ecumenical Partnership (LEP)

Year ending 31 December 2024

Registered Charity No . 1209195

Registered name :

“The Parochial Church Council of the Ecclesiastical Parish of Blackbird Leys, Diocese of Oxford”

Address : 1 Cuddesdon Way, Oxford OX4 6JH Answerphone : 01865 396241 Website : www.holyfamilybbl.co.uk

Vicar : Position vacant

Through 2024 until 25 February 2025, Revd Heather Carter

Bankers :

The Co-operative Bank, 1 Balloon Street, Manchester M60 4EP

Independent Examiner :

Mr Peter Stevenson

The Parochial Church Council of Holy Family Church, Blackbird Leys

Trustees’ Annual Report (pages A – E) for the year ended 31[st] December 2024

Aim and Purpose

Holy Family’s Parochial Church Council (the PCC) has the responsibility of cooperating with the Incumbent, in promoting in the ecclesiastical parish, the whole mission of the Church, pastoral, evangelistic, social and ecumenical. As well as the Church building (the Sanctuary) the PCC is also responsible for maintaining the integral Church Hall and ancillary rooms.

Objectves and Actvites

The PCC is committed to enabling as many people as possible to worship at our Church, and to become part of our parish family. When planning our activities, the PCC has considered the Charity Commission’s guidance on public benefit, and in particular the specific guidance on charities for the advancement of religion. Our services and worship put faith into practice through prayer and scripture, music and sacrament. We try to enable people to live out their faith as part of our parish family, through:

Worship and prayer: learning about the Gospel, and developing their knowledge of and trust in Jesus;
Provision of pastoral care for people living in the parish; and
Mission and outreach work.

To facilitate this work, it is vital that we maintain the fabric of both the Church and the Hall. (See below)

Achievements and Performance

Worship and Prayer

The PCC is keen to offer a range of services, that our community might find both beneficial and spiritually fulfilling, and not only on Sundays. For example, a variety of styles is possible in Holy Week, Easter, Harvest and the Christmas season. During Covid we broke new ground and held our worship outside on the Church lawn in sight and hearing of passers-by.

We have welcomed a few families into our church, and though their circumstances have meant that most have found their spiritual home where there are more children, they have appreciated the welcome they received among us. In 2024 we were blessed by the ministry of a vicar-in-training and also a local School Chaplain who became a member of Holy Family. The style of our worship is varied. After our Vicar moved to another parish, in March 2025, we have largely relied on our own members to lead our worship. Music is provided by a rota of friends and church members on piano or guitar. Though a small congregation now, in 2026, of about 20, our singing is notably good.

We have, since our foundation in the 1960’s, always been an ecumenical church accommodating the traditions of the Church of England, Baptist and Methodist Churches, the United Reformed Church and the Moravian Union. Holy communion is celebrated at least monthly. We celebrated one adult baptism on profession of faith and one child in 2024. At present there are 36 parishioners on the Electoral Roll, 33 of whom live within the parish. Through 2024 the average Sunday attendance at the 10am Service on Sundays was 25. Those who are no longer able to come to Church are not forgotten. The text of the Sunday services including hymns, bible readings, prayers, and a thought for the day or full sermon text are delivered to five households A monthly Holy Communion Service has been held in a local residential home for a long time, though this is in abeyance in the early part of the vacancy. The church is connected to the internet which would in future allow downloading worship resources and to live-stream events such as funerals (when technical expertise permits.)

Deanery Synod

One member of the PCC sits on the Cowley Deanery Synod. This provides the PCC with a link with the churches around us, and also with the Diocese as a whole. It also receives reports from the General Synod, as well as news from the non-Anglican denominations. Conversations across the denominations include trying to work out how best to deploy clergy, both stipendiary and non-stipendiary, between the parishes in the Deanery.

Links with the non-CofE denominatons

The strongest link is with the United Reformed Church with their strong ecumenical ethos. As well as URC members and retired ministers having committed themselves to Holy Family, the URC have committed one of their nine Church-Related Community Workers (CRCW) to Holy Family and The Leys, for an initial phase of 5 years. The costs, including stipend and housing are being met by the URC with the local church bearing the day-to-day expenses. The CRCW is due to take up their appointment in March 2025

Church Fabric

Our Redevelopment is taking longer than hoped to get started, therefore the grant of £130,000 from Benefact we received in 2022 has been treated as a loan as per “PCC Accountability” para 1.4 , page 10 “Exclude”.

Towards the cost of developing a first scheme for the redevelopment, we drew in previous years on the, originally £100,000, Diocese Development Grant. Through 2024 the uncalled-upon balance remained at £56,695

The Communi-tea Café is the church’s main outreach into the community. It is for this purpose the main occupier of the church premises during the week. In recent years there have been book entries made to reflect the Café’s share of heat, light and power and cleaning. This resulted in the Café recording a deficit of income compared to expenditure. The transfer of £35,000 from “Unrestricted” to “Designated” Funds represents the recent years’ accumulated deficits. The balance of Designated Funds (£29,431) now principally represents an historic amount of savings set aside for Church roof repairs, which sum may well be utilised in any Redevelopment. The Unrestricted Funds are now available for other work of the church (see definition below) Every endeavour will be made by grant applications, welcoming new customers, saving on utility costs, and moving Café prices in parallel with the Oxford Living Wage which we pay to the staff, to have the Café break even.

Mission and Evangelism

See Worship and Prayer and the description of the Communi-Tea Café (above) as well as Other Activities (next paragraph)

Other Actvites

The PCC publishes prior to the APCM each year, a separate document containing reports of some of the organisations and groups that are part of the Church’s wider family. Activities of these users of the Hall include the Communi-tea Café, Blackbird Leys Choir, a twice-weekly exercise group and a Men’s Health group and three different “Anonymous” groups which help members to address their addictions.

In early December 2024 we offered our premises and support for a local community initiative “Light Up Blackbird Leys” which saw a Christmas tree set up on the lawn and lit, activities and refreshments for all ages and carol singing

Financial Review

Total receipts on the unrestricted General Fund were £44,540, and payments from this fund totalled £32,138, giving a surplus of £12,402.

Free will offerings whether by regular, annual donations, standing orders or weekly envelopes increased by around 7%.

Income from hall lettings has remained stable, and interest received has been essential. An equitable proportion of the investment income has been allocated to the savings accumulated towards the Redevelopment.

We increased our Diocesan ‘Parish Share’ –which helps towards the cost of stipends and housing costs for the clergy – by 40%. This was in answer to a strong call to be sacrificial in our contribution, and, from our side, a recognition of the generous support our church has been afforded over a very long time. (In 2026 the church will be given a 10% rebate on their parish Share as we are without a Vicar.)

The Communi-tea Café is the church’s main outreach into the community. It is for this purpose the main occupier of the church premises during the week. In recent years there have been book entries made to reflect the Café’s share of heat, light and power and cleaning. This resulted in the Café recording a deficit of income compared to expenditure. The transfer of £35,000 from “Unrestricted” to “Designated” Funds represents the recent years’ accumulated deficits. Every endeavour will be made by grant applications, welcoming new customers, saving on utility costs, and moving Café prices in line with the Oxford Living Wage which we pay to the staff, to have the Café break even.

The balance of Designated Funds (£29,431) now principally represents an historic amount of savings set aside for Church roof repairs, which sum may well be utilised in any Redevelopment. The Unrestricted Funds are now available for other work of the church.

Reserves Policy

To cover emergencies the PCC seeks to maintain a balance on our Unrestricted Fund, which equates to at least three months’ payments. For this purpose, Unrestricted and Designated payments are taken together in view of the significance of the Communi Tea Café’s costs. These Unrestricted and Designated expenditures taken together in 2024 amounted to £90,400. Three months’-worth is £22,600 which compares to Unrestricted reserves at the end of 2024 of £43,700.

It is our policy to invest any surplus funds with CCLA, through the CBF Church of England Deposit Fund, their Investment Fund units, and their Property Fund units.

Safeguarding

The PCC has complied with the duty under section 5 of the Safeguarding and Clergy Discipline Measure 2016 (duty to have regard to House of Bishops’ guidance on safeguarding children and vulnerable adults). The Parish Safeguarding Officer keeps the records of all those who need to have a DBS check and ensures they are renewed as necessary

Volunteers

The members of the PCC would like to thank all who work to keep our Church alive and active in very uncertain times

Structure, Governance and Management

The method of appointment of PCC members is set out in the Church Representation Rules. The Council comprises the Incumbent, the Churchwardens, a representative of LLM’s, those elected to the Deanery Synod, and other members who are elected at the Annual Parochial Church Meeting, by those on the Electoral Roll. Members of the congregation are always encouraged to join the Electoral Roll, and to consider standing for election to the PCC.

The PCC members are responsible for making decisions on all matters of general concern and importance in the parish, and for all financial matters. The full PCC met ten times during the year. The average level of attendance was 90%.

Administratve Informaton

Holy Family Church is situated at 1 Cuddesdon Way, Blackbird Leys, Oxford OX4 6JH and is part of the Cowley Deanery, in the Diocese of Oxford.

The PCC is a body corporate (PCC Powers Measure 1956, and the Church Representation Rules 2022) and a Registered Charity (No. 1209195) with the Charity Commission.

PCC members who have served from 1[st] January 2024 untl the date this report was approved were:

Ex Of fi cio

The Incumbent Rev’d Heather Carter Chair – until 25 February 2025 LLM Prof Denise Morrey-Carter Vice Chair - until 25 February 2025 Churchwardens Thomas Baker Secretary, Chair- from 25 February 2025 Churchwarden until 3 February 2026 Sasha East Deanery Synod Rep Simon Pitkin Elected Members Revd Paul Bedford Treasurer to the PCC Mrs Susan Bedford (PSO) From 18 May 2025 Mrs Ira Browne Until 9 December 2025 Mrs Beverley Humberstone Mrs Eva Powell Until 9 December 2025 Mrs Joy Smith Until 5 November 2024

Approved by the PCC on 3 February 2026 and signed on its behalf by:

T Baker *Paul M Bedford ……………………………………. …………………………………… Thomas Baker (Chair of meetng) Paul M Bedford (Treasurer)

Report and Financial Statements for Blackbird Leys Parochial Church Council

incorporating the life and witness of Holy Family Blackbird Leys Single Congregation Local Ecumenical Partnership (LEP)

for the year ending 31 December 2024

Registered Charity No. 1209195 Registered name:

“The Parochial Church Council of the Ecclesiastical Parish of Blackbird Leys, Blackbird Leys, Diocese of Oxford”

Page 1

The Parochial Church Council (PCC) present the Financial Statements of Blackbird Leys Parochial Church Council incorporating the life and witness of Holy Family Blackbird Leys Single Congregation Local Ecumenical Partnership (LEP) for the year ended 31 December 2024

Statement of Financial Activities

	Unrestricted Designated Restricted Endowment Total Prior year funds funds funds funds funds total funds
Receipts Planned giving Collections and other giving Other voluntary receipts Gift Aid recovered Other receipts Activities for generating funds Investment Income Receipts from church activities Total income Payments Cost of generating funds Missionary and Charitable Giving Parish Share Clergy and Staffing costs Church Running Expenses Total expenditure Gains / losses on investment assets Net income / (expenditure) resources before transfer Transfers Gross transfers between funds - in Gross transfers between funds - out Other recognised gains / losses Gains on revaluation, fixed assets, charity's own use Net movement in funds Total funds brought forward Total funds carried forward Represented by Unrestricted General fund Designated Art (Craft) Group Cafe Fund Church Fabric (Roof) Fund First Steps Holiday JOSEPH Restricted Community Arts Programme Community Worker Fund Disabled Toilet fund Little Chicks fund Redevelopment (Building) Fund Toddler Time Youth Work Fund	21,174 — — — 21,174 19,807 1,420 — — — 1,420 1,678 478 799 3,408 — 4,685 33,362 8,589 — 2,500 — 11,089 — — 37,604 — — 37,604 25,768 6,643 — — — 6,643 4,230 6,234 — 10,900 — 17,134 10,249 — — — — — 2,277
	44,540 38,403 16,808 — 99,751 97,373 — 58,280 — — 58,280 40,472 569 — — — 569 — 11,546 — — — 11,546 7,959 1,224 — — — 1,224 1,147 18,797 — 1,844 — 20,642 33,895
	32,138 58,280 1,844 — 92,263 83,474 — — — — — —
	12,402 (19,877) 14,963 — 7,488 13,898 — 35,000 — — 35,000 — (35,000) — — — (35,000) — — — — — — —
	(22,598) 15,123 14,963 — 7,488 13,898
	66,293 14,308 135,594 — 216,196 202,298
	43,695 29,431 150,557 — 223,685 216,196 43,695 — — — 43,695 66,293 — 209 — — 209 209 — (2;476) — — (2,476) (17,598) — 31,626 — — 31,626 31,626 — — — — — — — 72 — — 72 72 — — — — — — — — 725 — 725 725 — — 5,773 — 5,773 5,773 — — — — — — — — — — — — — — 141,787 — 141,787 126,823 — — 1,514 — 1,514 1,514 — — 757 — 757 757

Page 2

Balance sheet

	Total funds Prior year funds
Current assets Cash at bank and in hand Liabilities Creditors: Amounts falling due in one year Net current assets less current liabilities Total assets less current liabilities Total net assets less liabilities Represented by Unrestricted General fund Designated Art (Craft) Group Cafe Fund Church Fabric (Roof) Fund First Steps Holiday JOSEPH Restricted Community Arts Programme Little Chicks fund Community Worker Fund Disabled Toilet fund Redevelopment (Building) Fund Toddler Time Youth Work Fund Funds of the church	353,439 343,199
	353,439 343,199 129,753 127,002
	129,753 127,002
	223,685 216,196
	223,685 216,196
	223,685 216,196 43,695 66,293 209 209 (2,476) (17,598) 31,626 31,626 — — 72 72 — — 725 725 — — 5,773 5,773 — — 141,787 126,823 1,514 1,514 757 757
	223,685 216,196

Statement of assets and liabilities

	General Designated Restricted Endowment This year Last year
Current assets - Cash at bank and in hand Bank current account - CCLA (CBF) deposit account - Petty Cash - Totals Liabilities - Agency accounts Agency collections - Totals Liabilities - Creditors: Amounts falling due in one year Loans received - Totals Grand total	17,143 1,269 9,494 — 27,907 34,075 41,330 14,701 269,500 — 325,531 309,123 (14,779) 13,463 1,316 — — —
	43,694 29,433 280,311 — 353,438 343,199 — — (246) — (246) (2,997)
	— — (246) — (246) (2,997) — — 130,000 — 130,000 130,000
	— — 130,000 — 130,000 130,000
	43,694 29,433 150,557 — 223,685 216,196

Page 3

Fund movement by type

	Opening Incoming Outgoing Transfers Gains/losses Journals Closing
AG - Art (Craft) Group Designated Sub-total for AG CAFE - Cafe Fund Designated Sub-total for CAFE CAP - Community Arts Progr Restricted Sub-total for CAP CFF - Church Fabric (Roof) Designated Sub-total for CFF CHF - Little Chicks fund Restricted Sub-total for CHF CWF - Community Worker Fun Restricted Sub-total for CWF DTF - Disabled Toilet fund Restricted Sub-total for DTF FS - First Steps Designated Sub-total for FS HolF - Holiday Designated Sub-total for HolF JO - JOSEPH Designated Sub-total for JO RBF - Redevelopment (Build Restricted Sub-total for RBF TT - Toddler Time Restricted Sub-total for TT YWF - Youth Work Fund Restricted Sub-total for YWF General - General fund Unrestricted Sub-total for General Grand total	209 — — — — — 209
	209 — — — — — 209 (17,599) 38,403 58,280 35,000 — — (2,476)
	(17,599) 38,403 58,280 35,000 — — (2,476) 725 — — — — — 725
	725 — — — — — 725 31,626 — — — — — 31,626
	31,626 — — — — — 31,626 — — — — — — —
	— — — — — — — 5,773 — — — — — 5,773
	5,773 — — — — — 5,773 — — — — — — —
	— — — — — — — — — — — — — —
	— — — — — — — 72 — — — — — 72
	72 — — — — — 72 — — — — — — —
	— — — — — — — 126,823 16,808 1,844 — — — 141,787
	126,823 16,808 1,844 — — — 141,787 1,514 — — — — — 1,514
	1,514 — — — — — 1,514 757 — — — — — 757
	757 — — — — — 757 66,297 44,540 32,138 (35,000) — — 43,699
	66,297 44,540 32,138 (35,000) — — 43,699
	216,196 99,751 92,263 — — — 223,685

Page 4

Analysis of income and expenditure

					Total
	Unrestricted	Designated	Restricted	Endowment	This year	Last year
INCOME AND ENDOWMENTS
Planned giving
0101 - Gift Aid (via bank)	17,120	—	—	—	17,120	15,865
0201 - Envelope giving scheme	4,054	—	—	—	4,054	3,942
Total	21,174	—	—	—	21,174	19,807
Collections and other giving
0202 - Gift Aid envelopes	—	—	—	—	—	—
0301 - Loose plate collections	248	—	—	—	248	678
0401 - Regular gift days	—	—	—	—	—	—
0501 - One-off Gift Aid gifts	1,172	—	—	—	1,172	1,000
Total	1,420	—	—	—	1,420	1,678
Other voluntary receipts
0410 - Giving through church boxes	—	—	—	—	—	—
0550 - Donations appeals etc	478	—	3,408	—	3,886	16,462
0801 - Recurring grants	—	—	—	—	—	2,000
08A1 - Non-recurring one-off grants	—	799	—	—	799	14,900
Total	478	799	3,408	—	4,685	33,362
Gift Aid recovered
0601 - Tax recoverable on Gift Aid	8,589	—	2,500	—	11,089	—
Total	8,589	—	2,500	—	11,089	—
Other receipts
0901 - Other funds generated	—	37,604	—	—	37,604	25,768
1310 - Insurance claims	—	—	—	—	—	—
Total	—	37,604	—	—	37,604	25,768
Activities for generating funds
0910 - Rummage sales + other	—	—	—	—	—	—
fundraising
1240 - Church hall lettings - fund	6,643	—	—	—	6,643	4,230
raising
1260 - Parish magazine sales	—	—	—	—	—	—
Total	6,643	—	—	—	6,643	4,230
Investment Income
1020 - Bank and investment interest	6,234	—	10,900	—	17,134	10,249
1030 - Rent from lands or buildings	—	—	—	—	—	—
Total	6,234	—	10,900	—	17,134	10,249
Receipts from church activities
1101 - Fees for weddings and	—	—	—	—	—	2,277
funerals
Total	—	—	—	—	—	2,277

Page 5

INCOME TOTAL 44,540

— 38,403 16,808 99,751 97,373

EXPENDITURE Cost of generating funds 1730 - Costs of fetes & other events 2365 - Magazine costs 2501 - Cafe Payroll 2502 - Cafe non-staff costs Total Missionary and Charitable Giving 1801 - Giving to missionary societies 1870 - Secular charities Total Parish Share 1901 - Stipends quota 1910 - Other Free church Ministry Total Clergy and Staffing costs 2001 - Assistant staff costs 2101 - Working expenses of incumbent 2120 - Council tax 2130 - Manse + Vicarage expenses 2140 - Water rates - vicarage 2145 - Parsonage - water 2150 - Vicar's telephone 2370 - Visiting speakers / locums Total Church Running Expenses 2170 - Education 2201 - Parish training and mission 2210 - Worship and Sanctuary 2301 - Church running - insurance 2310 - Church office - telephone 2330 - Church maintenance 2331 - Cleaning 2360 - Administration 2401 - Church running - electric 2410 - Church running - gas 2420 - Church running - water Total	— — — — — 91 — — — — — — — 18,934 — — 18,934 19,197 — 39,345 — — 39,345 21,184
	— 58,280 — — 58,280 40,472 70 — — — 70 — 499 — — — 499 —
	569 — — — 569 — 10,231 — — — 10,231 7,425 1,314 — — — 1,314 534
	11,546 — — — 11,546 7,959 — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — — 1,224 — — — 1,224 1,147 — — — — — —
	1,224 — — — 1,224 1,147 — — — — — — 200 — — — 200 540 541 — — — 541 170 2,666 — — — 2,666 2,603 1,212 — — — 1,212 1,092 1,894 — 1,844 — 3,739 17,843 4,221 — — — 4,221 3,530 2,545 — — — 2,545 3,529 5,121 — — — 5,121 2,817 368 — — — 368 799 25 — — — 25 968
	18,797 — 1,844 — 20,642 33,891
EXPENDITURE TOTAL	32,138 58,280 1,844 — 92,263 83,474

GRAND TOTAL	12,402 (19,877) 14,963 — 7,488 13,898

Page 6

Other assets

Gift Aid recoverable £7,000 Investments (CCLA held by ODBF) £26,776 Investments (Aviva) £45,074 (at March 2025) Other Liabilities Grant treated as Loan (see below) £130,000

ACCOUNTING POLICIES

The financial statements have been prepared in accordance with the Charities Act 2011 section 132(1), using the receipts and payments basis available to small charities.

SIGNIFICANT ITEMS

The Communi-tea Café is the church’s main outreach into the community. It is for this purpose the main occupier of the church premises during the week. In recent years there have been book entries made to reflect the Café’s share of heat, light and power and cleaning. This resulted in the Café recording a deficit of income compared to expenditure.. The transfer of £35,000 from “Unrestricted” to “Designated” Funds represents the recent years’ accumulated deficits. The balance of Designated Funds (£29,431) now principally represents an historic amount of savings set aside for Church roof repairs, which sum may well be utilised in any Redevelopment. The Unrestricted Funds are now available for other work of the church (see definition below) Every endeavour will be made by grant applications, welcoming new customers, saving on utility costs, and moving Café prices in line with the Oxford Living Wage which we pay to the staff, to have the Café break even.

FUND ACCOUNTING

Unrestricted Funds may be used by the church for any of its ordinary purposes Designated Funds represent unrestricted funds set aside by the church for specific purposes; they can be transferred back into general funds at the church’s discretion

Restricted Funds represent income which may be expended only on those restricted objects provided in the terms of a trust or bequest, or donations or grants received or invited for a specific purpose. The funds can only be spent on the specific purpose for which they were given. The Building Redevelopment Fund represents grants and donations received, less payments made, towards a new building, including planning and preliminary works.

ASSETS USED FOR CHURCH PURPOSES

Church buildings and contents for the year 2025 have been insured for £6.65m (Index-linked). Our intention is to demolish and rebuild on the site

TREASURER’S STATEMENT

I have prepared the financial statements on pages 2 to 7 for the year ended 31 December 2024

Paul M Bedford 8 September 2025

PCC APPROVAL

The above financial statements were laid in draft before the Annual Parochial Church Meeting held 18 May 2025 and signed, after Independent Examination, on its behalf by me, Thomas Baker, Churchwarden, at the PCC held on 7 October 2025.

Page 7

Independent Examiner’s Report to the PCC of the Church of the Holy Family, Blackbird Leys, Oxford for the year ended 31 December 2024

Introduction

This report on the financial statements of the PCC for the year ended 31 December 2024, which are set out on pages 2 to 3, is in respect of an examination carried out in accordance with the Church Accounting Regulations 2006 (“the Regulations”) and section 145 of the Charities Act 2011 (“the Act”).

Respective Responsibilities of the PCC and Examiner

As members of the PCC, you are responsible for the preparation of the financial statements. You consider that the audit requirement of the Regulations and section 144 of the Charities Act 2011 does not apply, and that an independent examination is needed.

It is my responsibility to issue this report on those financial statements in accordance with the terms of the Regulations.

Basis of Independent Examiner’s Report

My examination was carried out in accordance with the General Directions given by the Charity Commissioners under section 145(5)(b) of the Act and set out in the Church guidance, 2006 edition.

The examination includes:

A review of the accounting records kept by the PCC
A comparison of the financial statements with those records
Consideration of any unusual items or disclosures in the financial statements
Seeking explanations from members of the PCC regarding such matters

The procedures undertaken do not provide all the evidence that would be required in an audit; consequently, I do not express an audit opinion on the view given by the financial statements.

Independent Examiner’s Statement

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

Which gives me reasonable cause to believe that in any material respect the requirements:
to keep accounting records in accordance with section 130 of the Act; and
to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Act have not been met; or
To which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Signed… Peter J. Stevenson Date: 6th October 2025

Flat 25, Cherwell Court, Banbury Road, Kidlington OX5 2BG

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