## **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