THE PCC OF THE ECCLESIASTICAL PARISH OF ST ANDREW THE APOSTLE, CATFORD TRUSTEES' REPORT FOR THE YEAR ENDED 31 DECEMBER 2025
The trustees present their annual report and financial statements for the year ended 31 December 2025.
The Parochial Church Council (PCC) of St Andrew, Catford has the responsibility, together with the Chair, The Reverend Rebecca Wilkinson, for promoting in the ecclesiastical parish the whole mission of the Church—pastoral, evangelistic, social, and ecumenical.
In carrying out this purpose, the PCC seeks to enable the Church to play its part in the life of the local community and in the wider mission of the Church of England. This includes providing regular public worship open to all, offering spiritual and practical support to parishioners, and maintaining an active Christian presence in the community.
The PCC is also responsible for the care, maintenance, and improvement of the church buildings and associated properties, ensuring that they are properly managed and preserved for worship and community use.
The Trustees confirm that, they have met seven times in 2025 and in planning and delivering the Church’s activities, they have had due regard to the Charity Commission’s guidance on public benefit, and are satisfied that the Church’s work continues to advance the Christian faith for the benefit of the public.
Electoral Report: There were 84 people on the Church’s Electoral Roll for 2025 at St Andrew The Apostle, Catford.
This report was approved by the trustees and signed on its behalf by:
Rev Rebecca Wilkinson PCC Chair of Trustees Date: 18[th] March 2026
Independent Examiner's Report to the Parochial Church Council of St Andrew's Church, Cattord. I report on the accounts for the year ended 31st December 2025 which are attached. Respective responslbllitles of the Trustees and Independent Examiner The members of the PCC are responsible for the preparation of the accounts. They consider that an audit is not required for this year under seclion 14412) of the Charities Acl 2011 (the 2011 Act) and that an independent examinatbon is needed. It Is my responsibility to examine the accounts under section 145 of the 2011 Act,. follow the procedures laid down In the General Directions given by the Charity Commissioners 5ectlon 145(5}Ib) of the 20 1 l Act,. and • state whether particular matter5 have come to my attentlon. Basis of Independent examiner's Statement My examlnation was carrled out In accordance wlth the General Directlons glven by the Charlty Commlsslon. An examination includes a review of the accounting records kept by the charity and a Cofnparison of the accounts presentEd with thDSC records. It also includes conslderation of any unusual items or disclosures in the accounts, and seeking explanations from Ihe management CDmmillee concerning any such matters. The procedures undertaken do not providc all the evidence that would be required in a full audit, and consequently I do not express an audit opinion on the accounts. Independent Examlner's Statement In connection wlth my examination, no matters have come to my attenlion l. which give me reasonable cause to believe tliat In any material respect the requirements to keep accounting records in accordance with s. 130 of the 2011 Act,. or to prepare account5 which accord with these accounting records have not been met,. or 2. to whbch, In my oplnlon, attentSon should be drawn in order to enable a proper understanding of the accounts to be reached. Signed March 2025 Name and Addre55 I £o(L .* Ir t-J Nl
Statement of Financial Activities for the year ended 31st December 2025
| Gen Reserve | Gen Reserve | Hall Reserve | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| General | & | Liquidity | & Liquidity | Organ |
CBF | Hall | Mission | Total 2025 | Total 2024 | |
| Income | ||||||||||
| Income from Donors | 29,408 | 245 | 23,484 | 53,137 | 82813 | |||||
| Other Voluntary Income | 53,914 | 53,914 | 45611 | |||||||
| Grant | - | 5124 | ||||||||
| Interest | 1,833 | 1,441 | 110 | 3,384 | 2627 | |||||
| Mission | 1,250 | 1,250 | 3020 | |||||||
| Total | 83,322 | 1,833 | 1,441 | 355 | - | 23,484 | 1,250 | 111,685 | 139195 | |
| Expenditure | ||||||||||
| Work of the Church | 80,912 | £ | 732 |
24,370 | 106,014 | 100419 | ||||
| Mission | 1,250 | 1,250 | 3020 | |||||||
| Total | 80,912 | £ | 732 |
- | 24,370 | 1,250 | 107,264 | 103439 | ||
| Balances 1/1/25 | 313 | 100,068 | 85,002 | 9,802 | 3,198 | 3,237 | 201,620 | 165,821 | ||
| plus income | 83,322 | 1,833 | 1,441 | 355 | 139 | 23,484 | 1,250 | 111,824 | 139,195 | |
| plus transfers in | 28,126 | 24,237 | 13,800 | 11,296 | 77,459 | 108022 | ||||
| plus hall deposits in hand | 1,045 | 1,045 | ||||||||
| Total | 111,761 | 126,138 | 100,243 | 10,157 | 3,337 | 39,062 | 1,250 | 391,948 | 413383 | |
| minus expenditure | 80,912 | 732 | 24,370 | 1,250 | ||||||
| minus transfers out | 30,487 | 27,618 | 9,204 | 10,552 | ||||||
| Total | 111,399 | 28,350 | 9,204 | - | - | 34,922 | 1,250 | 185,125 | 211763 | |
| Balances 31/12/25 | 362 | 97,788 | 91,039 | 10,157 | 3,337 | 4,140 | - | 206,823 | 201620 |
1
St Andrew's Church, Catford - Financial Statement for the Year Ended 31 December 2025
General Fund Receipts & Payments Account
| Unrestricted Restricted £ £ RECEIPTS Incoming Resources from Donors Planned Giving - Freewill offering 1 £29,408 Gift Aid recovered 2 £16,484 General Collections 3 £7,790 Donations 4 £6,181 Sunday School 5 Wedding/Funeral income 6 £1,450 Mission Giving 8 1,250 £61,313 £1,250 Income from operating activities to further the work of the church Fundraising 10 £5,988 Fees (Funerals & Weddings) 11 £1,893 Teas 12 £833 £8,714 Other Receipts Restricted Income £9,150 Special events £9,150 VAT Refund VAT refunds 18 £4,145 £4,145 Total Receipts 18a £83,322 £1,250 PAYMENTS Grants to further the work of the Church Mission Giving 1,250 Church activities Parish Support Fund 20 £20,160 Parish expenses 21 £2,736 Insurance 22 £7,682 Heating and Lighting 23 £8,695 Fundraising Costs 24 £527 Religious 25 £1,057 Music 27 £6,409 Governance 28 £976 Maintenance inc sacristry 30 £29,146 Hall 31 0 Wedding and Funeral fees 33 £1,893 refreshments £1,125 Special Events £80,406 1,250 Church management and administration Administration 32 £506 £506 Total Payments 33a £80,912 £1,250 Excess of Receipts over Payments Bank current and deposit accounts at 1 January 2025 £313 transfers into general account from other accounts 18b £28,126 B/F 1/1/24 plus income line 18a plus transfers in line 18b £111,761 transfers out of general account into other accounts 33b £30,487 Payments line 33a plus transfers out line 33b £111,399 Bank current and deposit accounts at 31 December 2025 £362 2025 |
Unrestricted Restricted £ £ 30,417 9,054 7,226 5,970 0 425 3,020 2024 |
Unrestricted Restricted £ £ 30,417 9,054 7,226 5,970 0 425 3,020 2024 |
|---|---|---|
| 53,092 798 638 |
3,020 | |
| 1,436 21,500 |
||
| 21,500 5,124 5,124 |
||
| £81,152 19,476 1,055 7,387 10,848 126 282 9,213 420 31,310 14 514 752 |
£3,020 3,020 |
|
| 81,397 3,323 |
3,020 | |
| 3,323 | ||
| £84,720 | £3,020 | |
| 557 33,423 115,132 30,099 £ 114,819 £ 313 |
| Reserve and liquidity Accounts 2025 restricted £ £ Receipts Restricted Donations trans from general acct 24237 Restricted Donations trans from hall Interest 1833 26070 Payments transfer to hall 2092 transfer to current account 25526 work completed 732 28,350 excess of payments over receipts -2280 Bank current and deposit accounts at 1st January 2025 100068 Bank current & deposit accounts at 31st December 2025 97788 Organ Maintenance Fund restricted Account Deposit Account 2 2025 £ £ Receipts 34 245 Interest 110 355 Payments Work Completed 35 Excess of receipts over payments Transfers From general fund From Reserve fund Bank current and deposit accounts at 1st January 2025 9802 Bank current & deposit accounts at 31st December 2025 10157 Capital Works Fund Receipts & Payments Account - Designated Fund 2025 £ £ Receipts Interest from CBF Deposit Fund 139 Payments 36 Excess of Receipts over Payments Bank current & deposit accounts at 1st January 2025 3198 Bank current & deposit accounts at 31st December 2025 3337 |
2025 restricted £ £ 24237 1833 26070 2092 25526 732 28,350 -2280 100068 97788 |
2024 £ £ 30099 1430 31529 28386 28386 3143 96925 100068 |
|---|---|---|
| 2025 £ £ 245 110 355 9802 10157 |
2024 £ £ 200 137 337 337 9465 9802 |
|
| 2024 £ £ 156 156 3042 3198 |
2025
2024
Reserve and Liquidity Accounts Hall
| Receipts | Interest | 1,441 | 904 |
|---|---|---|---|
| Transfers from hall | 7,550 | 44500 | |
| Transfers from general | 6,250 | ||
| Total Receipts | 15,241 | 45,404 | |
| Payments | Payments restricted items | ||
| Transfer to general Account | |||
| Transfer to hall account | 9,204 | ||
| Transfer to Reserve | |||
| Total Payments | 9,204 | ||
| Excess of receipts over payments | 6037 | 45404 | |
| Bank current account 1 January 2025 | 85002 | 39598 | |
| Bank current account 31 December 2025 | 91,039 | 85002 |
| Hall Account | Hall Account | 2025 | 2024 |
|---|---|---|---|
| Receipts | |||
| Hire Fees | 23484 | 52196 | |
| Grant | |||
| Fundraising | |||
| Total Receipts | 23484 | 52196 | |
| Hall returnable Deposits In | 13995 | 12150 | |
| transfers In | 11296 | ||
| Grand Total | 48775 | 64346 | |
| Payments | Invoices | 24370 | 15699 |
| Transfer to hall reserve acct | 7550 | 44500 | |
| Transfer to General acct | 3002 | 5339 | |
| Total Payments | 34922 | 65538 | |
| Hall Returnable deposits out | 12950 | 11805 | |
| Grand Total | 47872 | 77343 | |
| Excess of total receipts over payments | 903 | -13342 | |
| Excess of Deposits in hand | 345 | ||
| Total | 903 | -12997 | |
| Bank Current Account 1 January 2025 | 3237 | 16234 | |
| Bank Current Account 31 December 2025 | 4140 | 3237 |
Statement of assets and liabilities at 31st December 2024
| Monetary Assets Bank current account Hall Deposit & LiquidityAccount Deposit Account No 2 OMF Reserve Account Hall Account CBF Deposit Fund 1 Total Cash |
General Fund Restricte d Organ Fund Capital Works Total 2025 Total 2024 £ £ £ £ £ £ 363 363 313 91,039 91,039 85,002 10,157 10,157 9,802 97,788 97,788 100,068 4,140 4,140 3,237 3,337 3,337 3,198 |
|---|---|
| 4,503 188,827 10,157 3,337 206824 201,620 |
Independent Examiner's Report to the Parochial Church Council of St Andrew's Church, Cattord. I report on the accounts for the year ended 31st December 2025 which are attached. Respective responslbllitles of the Trustees and Independent Examiner The members of the PCC are responsible for the preparation of the accounts. They consider that an audit is not required for this year under seclion 14412) of the Charities Acl 2011 (the 2011 Act) and that an independent examinatbon is needed. It Is my responsibility to examine the accounts under section 145 of the 2011 Act,. follow the procedures laid down In the General Directions given by the Charity Commissioners 5ectlon 145(5}Ib) of the 20 1 l Act,. and • state whether particular matter5 have come to my attentlon. Basis of Independent examiner's Statement My examlnation was carrled out In accordance wlth the General Directlons glven by the Charlty Commlsslon. An examination includes a review of the accounting records kept by the charity and a Cofnparison of the accounts presentEd with thDSC records. It also includes conslderation of any unusual items or disclosures in the accounts, and seeking explanations from Ihe management CDmmillee concerning any such matters. The procedures undertaken do not providc all the evidence that would be required in a full audit, and consequently I do not express an audit opinion on the accounts. Independent Examlner's Statement In connection wlth my examination, no matters have come to my attenlion l. which give me reasonable cause to believe tliat In any material respect the requirements to keep accounting records in accordance with s. 130 of the 2011 Act,. or to prepare account5 which accord with these accounting records have not been met,. or 2. to whbch, In my oplnlon, attentSon should be drawn in order to enable a proper understanding of the accounts to be reached. Signed March 2025 Name and Addre55 I £o(L .* Ir t-J Nl