REGISTERED COMPANY NUMBER: 06000282 (England and Wales)

REGISTERED CHARITY NUMBER: 1119934

REPORT OF THE TRUSTEES AND

UNAUDITED FINANCIAL STATEMENTS

FOR THE YEAR ENDED 30TH JUNE 2025

FOR

INSIGHT FOR LIVING (UK) LIMITED

Page

Reference and Administrative Details

1

Report of the Trustees

2

to

9

Independent Examiner's Report

10

Statement of Financial Activities

11

Balance Sheet

12

to

13

Notes to the Financial Statements

14

to

20

TRUSTEES

Dr G M Anderson

Dr T T Boyle (appointed 21.10.2024)

Dr S W Brady (appointed 21.10.2024)

Mrs C Swindoll Gaither

Mr W Gemaehlich

Mr J A Post

Mr P D Sweeting

Mr T J Hayes (resigned 21.10.2024)

COMPANY SECRETARY

Mr S Bean

REGISTERED OFFICE

PO Box 254

Wisbech

PE14 4FZ

REGISTERED COMPANY NUMBER

06000282 (England and Wales)

REGISTERED CHARITY NUMBER

1119934

INDEPENDENT EXAMINER

Martin and Company

25 St Thomas Street

Winchester

Hampshire

SO23 9HJ

SOLICITORS

Stone King LLP

Boundary House

91 Charterhouse Street

London

EC1M 6HR

BANKERS

National Westminster Bank Plc

Turnpike House

123 High Street

Crawley

RH10 1DD

The trustees who are also directors of the charity for the purposes of the Companies Act 2006, present their report with the financial statements of the charity for the year ended 30th June 2025. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

The directors of Insight for Living UK (the charity) are its trustees for the purpose of charity law and throughout this report are collectively referred to as the trustees.

The trustees serving during the period or since the period end were as follows:

Insight for Living UK elected chair:

T Boyle

G Anderson

Insight for Living UK elected Trustees:

T Hayes

B Gemaehlich

S Brady

J Post

P Sweeting

C Swindoll Gaither

Secretary:

S Bean

Executive Director:

S Bean

OBJECTIVES AND ACTIVITIES

Objectives and aims

The objects and powers of the charity are set out in detail in the charity's memorandum of association. In summary, they are:

- To advance the Christian faith in the UK and Europe through teaching materials through any means including but not limited to radio, television, the Internet, and printed publications;

- To promote and preserve good health through the provision of pastoral care and prayer from a Christian biblical perspective; and

- To advance the education of the public in the truths of scripture, the person of Jesus Christ, and personal, familial and marital relationships from a Christian biblical perspective through free and purchased resources.

Public benefit

Our objects are set to reflect our faith and regional aims. Our trustees review our objectives and activities per annum to ensure that both they and the charity reflect our aims. In carrying out this review the trustees have considered the Charity Commission's general guidance on public benefit and in particular its supplementary public guidance on the advancement of religion for the public benefit.

Strategies

The strategies of the charity are set out in detail as powers in the charity's memorandum of association. In summary, they are:

- To maintain and keep under review the Statement of Faith and the Mission Statement;

- To arrange or join in arranging and provide for the holding of worship services, meetings, seminars, conferences, and training courses;

- To promote and carry out education of the public by researching, publishing and promoting the publication of useful results of such research;

- To make or promote the making of broadcasts, announcements, advertisements or otherwise of programmes on any media including but not limited to radio, television, the internet and satellite through the offices of licensed agencies;

- To provide biblical advice; remaining true to the Statement of Faith and Mission of the organisation;

- To publish or distribute books, guides, CDs and other information;

- To co-operate with other bodies, charities and statutory authorities and to exchange information and advice with them;

- To support, administer or set up other charities; and

- To raise funds (but not by means of taxable trading) and in its discretion to disclaim any particular contribution.

- The financial statements display the activities under the heading of Advancement of the Christian faith.

ACHIEVEMENTS AND PERFORMANCE

Achievements and performance

The charity carries out activities in pursuance of its charitable objectives. The trustees consider that these activities, summarised below, provide benefit to the public.

Mission and Evangelism

To advance the Christian message is a demonstration of our faith. Our primary means of distributing this message is through media streams such as radio, Internet, and mobile technology. Through regional radio stations we broadcast a 28-minute programme, which provides exegetical teaching of the Bible by a well-known and respected minister and author, Dr Charles R. Swindoll. The host of this programme, Dr Terry Boyle, serves as Dr Swindoll's pastoral representative for the UK and English-speaking Europe. We also provide a 13-minute Bible-teaching programme from Dr Boyle on our website and mobile app. Our programmes direct listeners to the scriptures where they can apply the truths and morals therein to their daily living.

We have increased the number distribution points on which one can receive this message since our incorporation on 16 November 2006. Beginning in September 2009, our listener footprint increased because of the procurement of national digital audio broadcast (DAB) licences by two large radio stations, which were already broadcasting our programme. In 2011, two UK broadcasters launched an application enabling users to tune into programming via Apple® and Android® mobile technology. In July 2014, we started broadcasting through the Spirit Radio network in the Republic of Ireland.

Currently, Insight for Living is heard on five stations in the United Kingdom and three stations in the Republic of Ireland.

In 2012, the charity also launched a free mobile app for users of iPhone®, iPad®, Windows®, Android® and Amazon Kindle® technology. This was done to provide on-demand content to a wider, and new, group of people. This app not only provides easy access to audio teaching, but also videos, daily Bible-reading plan, and daily devotional study to read.

The charity continues to improve its on-demand Internet audio streaming and podcasts, utilising web embeds directly from our mobile app. The charity also started using Mailchimp as its method of email signup and distribution. Additional ministry is provided through social media platforms.

Pastoral Care and Prayer

It is important to the trustees that the charity not only has a method of outreach, but also a place for direct contact and subsequent response with those whom the charity reaches in its mission. The charity, therefore, provides free pastoral care to the public. We educate the public about this free service through our radio broadcast, app, Web Site, distributed publications, e-mails, and public speaking engagements held by our regional pastoral representative, Dr Terry Boyle.

Dr Boyle is also a member of the Association of Christian Counsellors as a provider of Pastoral Care. The charity benefits from the services of other staff members to assist Dr Boyle with pastoral care. The public can receive this service by calling, filling out the online contact form, or writing a letter. The result will be a personalised and caring response following a biblical and pastoral counselling model.

Frequently the charity will receive requests by its constituency to pray with or for them. Our staff are trained to facilitate these types of requests. If a prayer request is received by a constituent, and results in a pastoral care concern, staff are trained to evaluate and forward such issues to Dr Terry Boyle.

Education

The charity aims, in every area of its communication, to educate the public in the truths of scripture and the person of Jesus Christ. The Bible provides many insights into how one ought to carry him or herself throughout life. Through the examples of biblical characters and events, and especially the example of Jesus Christ, we present an understanding of how to live the Christian life.

Although our programme is freely available to the public through radio, Internet streaming, or downloadable app, we also offer physical or downloadable copies for free or to purchase, often with accompanying study material. Most of our programmes have an associated Bible study we call "Searching the Scriptures", which is available to download as a PDF from the Internet or as a printed workbook. This is to facilitate the study of a particular topic at a pace that is conducive to our constituent's schedule. We provide many other resources in the form of books, booklets, CDs, DVDs, MP3s and gift items to help in applying biblical principles to life.

Some of our weekday teaching programmes over the past year included:

- Revelation (A study on the book of Revelation)

- Solomon (A study on the life of Solomon as recorded in 1 Kings and Ecclesiastes)

- Tough Grace in Difficult Places (A study of the book of Titus)

- Moses: A Man of Selfless Dedication (A study on the life of Moses as recorded in Exodus and Numbers)

- The Mystery of God's Will

- Paul: A Man of Grace and Grit (A study on the life of Paul as recorded in the New Testament)

Although nothing has been created in recent years, the charity did create unique resources designed to encourage outward expression of faith. In 2011, Dr Terry Boyle wrote The Way of Lament, a book published by the charity to help those struggling through pain or grief. Dr Boyle looked to the Psalms as an example for how people can courageously bring their pain before God, who is fully acquainted with our grief and sorrows. This publication was released and distributed throughout the USA, Australia, and Canada to better educate the public in our pastoral care efforts in the United Kingdom. It was also made available to download through Amazon Kindle Store.

In 2013, the charity published Dr Boyle's second title, What Solomon Says: A Biblical Approach to Contentment and Authority. A third edition of our Biblical Approach titles was published in 2015. The Fellowship of the Forgiven: A Biblical Approach to Church looks at the Book of 1st John to answer the question, "What Makes a Church Christian?"

Insight for Living UK again served as a sponsor for the Moorlands College preaching prize. This prize is given to a graduating student, chosen by the faculty at Moorlands, who has displaying excellence in their approach to Bible study and teaching.

FINANCIAL REVIEW

Principal funding sources

At the time the charity opened in 2006, principal funding came from the headquarters of Insight for Living in the United States of America. This subsidy has decreased or increased depending on the need of the UK charity as a going concern. During the past several years, the charity has received 100% of funding through charitable contributions, sales, interest, and legacy gifts from the charity's constituents in the United Kingdom and Europe and therefore free of any subsidy from the USA. This is done by way of phone call response to the daily radio broadcast, returned response mechanisms provided in either of the two mailings distributed in a month, returned thank-you letter response forms, standing order and direct debit commitments, or motivated action in reply to e-mail delivery or Web Site giving or purchase opportunity.

Investment policy and objectives

As set out in the Articles of Association, the trustees can:

- Deposit or invest funds in any manner provided that the charity retains any investments donated to it. The trustees, unless they consider it unnecessary or inappropriate to do so, will invest only after obtaining advice from a financial expert.

- Delegate the management of investments to a financial expert, but only on condition that the investment policy is set down in writing for the financial expert by the trustees, every transaction is reported promptly to the trustees, the performance of the investments is reviewed regularly with the trustees, the trustees are entitled to cancel the delegation arrangement at any time, the investment policy and the delegation arrangement are reviewed at least once a period, all payments due to the financial expert are on a scale or at a level which is agreed in advance and are notified promptly to the trustees on receipt, and the financial expert must not do anything outside the powers of the trustees.

- Arrange for investments or other property of the charity to be held in the name of a nominee (being a corporate body registered or having an established place of business in England and Wales) under the control of the trustees or of a financial expert acting under their instructions and to pay any reasonable fee required.

Reserves policy

As set out in the Articles of Association, the trustees can set aside funds for special purposes or as reserves against future expenditure. At the end of the year, free reserves as defined by the Charity Commission stood at £126,318 (2024 - £172,863), representing approximately 7.5 months' worth of expenditure at current levels. The trustees aim to hold reserves of between 4 and 6 months. Reserves therefore are in the target range.

Going concern

The financial statements are prepared on a going concern basis that the trustees consider appropriate. The cash reserves for the charity are high relative to planned expenditure.

Facilities

In 2006, the charity opened its first office in Leatherhead, Surrey. In December 2009, the charity relocated its office to Dorking, Surrey. In December 2020, to reduce cost and become less reliant on subsidy from the USA ministry, the charity moved out of its leased premises in Dorking, Surrey and began operating through virtual means. It's current correspondence address is located in Wisbech, Cambridgeshire.

FUTURE PLANS

We continue to seek new methods of distribution of the media format of Insight for Living. However, there are few opportunities in terms of radio output, due to the limited number of licenses given, let alone to solely Christian based stations. The charity contemplated ways to create and broadcast radio and video content from Dr Terry Boyle but decided to focus on the global efforts of Vision 195.

Since 1979, Insight for Living Ministries has faithfully broadcast God's Word. Our goal has never changed: to teach the study and application of Scriptures wherever the Lord opens doors. With this firm foundation, we are pursuing a bold vision to reach all 195 countries so that lives will be transformed as individuals hear the gospel, receive God's amazing grace, and learn to become spiritually self-sustaining disciples.

Chuck has explained his method of Bible study in his sermon, and related book, called Searching the Scriptures. This series is for anyone who wants to learn how to 1) observe the text of Scripture, 2) probe the meaning of Scripture, 3) compare the truths of Scripture, and 4) apply the wisdom of Scripture. This course of study is the centrepiece of Vision 195.

With continued upgrades to its Web Site, the charity has provided better and mobile friendly service for friends to give charitable gifts or purchase featured resources. In August 2020, the charity upgraded to a new donor database.

The charity trustees foresee their executive director and pastor continuing to work with regional media outlets to promote the objectives of the charity and to continue communicating with current constituents to maintain a good relationship between the charity and its donors. In 2018, the pastor began devoting half of his time toward the development of Searching the Scriptures materials for international pastors and churches. This responsibility ended in May 2024. As a result, the writing, preaching, and recording of Dr Terry Boyle's own content ceased to allow for necessary time required for this project. In 2020, the executive director began devoting time helping teams in Europe and Commonwealth Ministries as Senior Director. These efforts, approved by the trustees, involve the UK organisation in further development of Vision 195.

STRUCTURE, GOVERNANCE AND MANAGEMENT

Governing document

Insight for Living (UK) Limited is a company limited by guarantee governed by its Memorandum and Articles of Association dated 31 October 2006. It is registered as a charity with the Charity Commission. Each member promises, if the charity is dissolved while he, she or it remains a member or within 12 months afterwards, to pay up to £1 towards the costs of dissolution and the liabilities incurred by the charity while the contributor was a member.

Recruitment and appointment of new trustees

As set out in the Articles of Association the trustees may at any time co-opt any person duly qualified to be appointed as a trustee to fill a vacancy in their number or as an additional trustee, but a co-opted trustee holds office only until the next AGM.

Organisational structure

The board of trustees, which is not subject to any maximum of members, has control of the charity and its property and funds. The board must hold at least one AGM per annum and may call an EGM at any time. An executive director is appointed by the trustees to manage the day-to-day operations of the charity. To facilitate effective operations, the executive director has delegated authority, within terms of delegation approved by the trustees, for operational matters including finance, employment, strategy, and other charity related activity. The executive director fulfils the role of chief executive.

Induction and training of new trustees

Every trustee must subscribe and adhere, in belief and lifestyle, to the Statement of Faith, the Mission Statement and Timothy 3:1-13. New trustees undergo an orientation to brief them on their legal obligations under charity and company law, the content of the Memorandum and Articles of Association, the decision-making processes, mission and vision statements, and financial performance of the charity.

Key management remuneration

Salaries for all posts, including key management, are determined using ©Croner Reward for Charities. A role is ranked and using survey tables provided by ©Croner Reward around median income, charity income, number of employees, area of activity, and region, a market rate is determined.

At the AGM, the Trustees determine whether the salary for all staff, including key management, should be adjusted for the current financial year, to reflect changes in the cost of living. They will determine whether an increase is appropriate in the context of:

- The charity's financial situation

- The charity's performance

- Cost of living adjustments made in recent years

- Pay reviews elsewhere (how might a failure to follow wider trends be perceived amongst staff, within partner organisations or amongst potential supporters?)

Cost of living adjustments will be applied equally to all staff.

Related parties

- C. Swindoll Gaither, a trustee of the charity during the reported year, is also President of Insight for Living USA effective 1st September 2023.

- B. Gemaehlich, a current trustee of the charity, is Executive Vice President and Chief Operations Officer of Insight for Living USA.

- T. Hayes, a current trustee of the charity, is Executive Vice President of Chief International Officer of Insight for Living USA.

- T. Boyle, a trustee of the charity during the reported year, was Executive Vice President and Chief International Instructor for Searching the Scriptures Ministries until May 2025.

- S. Bean, the secretary and executive director of the charity, is Senior Director of Europe and Commonwealth Ministries of Insight for Living USA.

- R. Boyle is the only employee of IFL UK. She is the spouse of T. Boyle.

Risk management

The trustees have a duty to identify and review the risks to which the charity is exposed and to ensure appropriate controls are in place to provide reasonable assurance against fraud and error.

The trustees assessed the major risks that the charity may face at the 2024 AGM. Systems and procedures have been established to mitigate any such risks and procedures designed to minimise any negative impact on the charity.

The following are identified risks to the charity during FY25, which are considered prominent by the Trustees'. These stand as follows:

- The financial failure of UK radio station(s) because of their demise from the airwaves leading to a major loss of listeners from our primary source(s) of referral from broadcasting.

- The financial implications of changes to broadcasting times and rates by UK station(s) because of financial strain within the station(s) and/or change in broadcasting objectives.

- The inability of Insight for Living UK to fulfil charitable objectives or ministry output because of sudden and/or planned absence of key personnel.

A review of these identified risks will be evaluated at the 2025 AGM.

STATEMENT OF TRUSTEES' RESPONSIBILITIES

The trustees (who are also the directors of Insight for Living (UK) Limited for the purposes of company law) are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the trustees to prepare financial statements for each financial year. Under that law, the trustees have elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom Accounting Standards and applicable law).

Under company law the trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the charitable company and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that period. In preparing those financial statements, the trustees are required to

-	select suitable accounting policies and then apply them consistently;

-	observe the methods and principles in the Charities 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 charitable company will continue in business.

The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charitable company and to enable them to ensure that the financial statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the charitable company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Independent Examiners

A resolution was proposed and seconded on the 5th June 2025 that Martin and Company be appointed as independent examiners to the charity for the current period.

In preparing this report, the trustees have taken advantage of the small companies' exemptions provided by section 415A of the Companies Act 2006.

Approved by order of the board of trustees on 18th November 2025 and signed on its behalf by:

Mr P D Sweeting - Trustee

Independent examiner's report to the trustees of Insight for Living (UK) Limited ('the Company')

I report to the charity trustees on my examination of the accounts of the Company for the year ended 30th June 2025.

Responsibilities and basis of report

As the charity's trustees of the Company (and also its directors for the purposes of company law) you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').

Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts as carried out under Section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under Section 145(5) (b) of the 2011 Act.

Independent examiner's statement

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe:

1.	accounting records were not kept in respect of the Company as required by Section 386 of the 2006 Act; or

2.	the accounts do not accord with those records; or

3.	the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act 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; or

4.

the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities (applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102)).

I have no concerns and have come across no other matters in connection 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.

David Barr FCA

Martin and Company

25 St Thomas Street

Winchester

Hampshire

SO23 9HJ

19th November 2025

2025

2024

Unrestricted

Total

fund

funds

Notes

£

£

INCOME AND ENDOWMENTS FROM

Donations and legacies

3

181,640

203,211

Other trading activities

4

8,684

7,913

Investment income

5

2,036

2,785

Total

192,360

213,909

EXPENDITURE ON

Raising funds

6

53,205

93,888

Charitable activities

7

Advancement of Christian faith

185,700

180,926

Total

238,905

274,814

NET INCOME/(EXPENDITURE)

(46,545

)

(60,905

)

RECONCILIATION OF FUNDS

Total funds brought forward

172,863

233,768

TOTAL FUNDS CARRIED FORWARD

126,318

172,863

2025

2024

Unrestricted

Total

fund

funds

Notes

£

£

FIXED ASSETS

Tangible assets

13

2,821

-

CURRENT ASSETS

Debtors

14

25,206

56,117

Cash at bank

122,518

150,468

147,724

206,585

CREDITORS

Amounts falling due within one year

15

(24,227

)

(33,722

)

NET CURRENT ASSETS

123,497

172,863

TOTAL ASSETS LESS CURRENT LIABILITIES

126,318

172,863

NET ASSETS

126,318

172,863

FUNDS

16

Unrestricted funds

126,318

172,863

TOTAL FUNDS

126,318

172,863

The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 30th June 2025.

The members have not required the company to obtain an audit of its financial statements for the year ended 30th June 2025 in accordance with Section 476 of the Companies Act 2006.

The trustees acknowledge their responsibilities for

(a)	ensuring that the charitable company keeps accounting records that comply with Sections 386 and 387 of the Companies Act 2006 and

(b)

preparing financial statements which give a true and fair view of the state of affairs of the charitable company as at the end of each financial year and of its surplus or deficit for each financial year in accordance with the requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the charitable company.

These financial statements have been prepared in accordance with the provisions applicable to charitable companies subject to the small companies regime.

The financial statements were approved by the Board of Trustees and authorised for issue on 18th November 2025 and were signed on its behalf by:

Mr P D Sweeting - Trustee

1.	STATUTORY INFORMATION

Insight for Living (UK) Limited is a charity registered in England and Wales. The charity's registered number and registered address can be found in the Trustees' Report.

2.	ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charitable company, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Companies Act 2006. The financial statements have been prepared under the historical cost convention.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Classification of expenditure

Fundraising and event costs are costs incurred in seeking voluntary contributions to the charity.

Costs of charitable activities are all costs directly relating to the objects of the charity.

Governance costs are all costs attributable to the management of the charity's assets, organisation, administration and compliance with constitutional and statutory requirements.

Support costs are incurred directly in supporting charitable activities and are allocated based on the time spent by staff on each activity.

Tangible fixed assets

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Computer equipment

-

33% on cost

All assets costing more than £1,000 are capitalised.

Taxation

The charity is exempt from corporation tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

3.	DONATIONS AND LEGACIES

2025

2024

£

£

Donations

158,555

178,763

Gift aid

23,085

24,448

181,640

203,211

4.	OTHER TRADING ACTIVITIES

2025

2024

£

£

Media sales

8,684

7,913

5.	INVESTMENT INCOME

2025

2024

£

£

Deposit account interest

2,036

2,785

6.	RAISING FUNDS

Raising donations and legacies

2025

2024

£

£

Postage and stationery

10,878

4,860

Printing costs

8,100

7,185

Consultation and design

19,446

60,093

Value of goods

2,747

2,741

Support costs

12,034

19,009

53,205

93,888

7.	CHARITABLE ACTIVITIES COSTS

Direct

Support

Costs (see

costs (see

note 8)

note 9)

Totals

£

£

£

Advancement of Christian faith

161,763

23,937

185,700

8.	DIRECT COSTS OF CHARITABLE ACTIVITIES

2025

2024

£

£

Broadcasting - radio station and outside production costs

130,702

127,717

Professional services

2,515

1,253

Travel

28,546

17,488

161,763

146,458

9.	SUPPORT COSTS

Governance

Management

Finance

costs

Totals

£

£

£

£

Raising donations and legacies

10,659

1,375

-

12,034

Advancement of Christian faith

10,659

1,374

11,904

23,937

21,318

2,749

11,904

35,971

Support costs are allocated on the basis of time spent.

Support costs, included in the above, are as follows:

Management

2025

2024

Raising

Advancement

donations

of

and

Christian

Total

Total

legacies

faith

activities

activities

£

£

£

£

Wages

3,065

3,065

6,130

6,086

Insurance

211

210

421

404

Light and heat

-

-

-

90

Telephone

768

767

1,535

1,312

Postage and stationery

2,020

2,021

4,041

5,914

Sundries

237

237

474

9,454

Payroll service fee

242

242

484

428

Computer costs

3,408

3,407

6,815

4,790

Subscriptions, conferences and licences

70

71

141

98

Gifts

302

302

604

324

Depreciation of tangible and heritage assets

336

337

673

-

10,659

10,659

21,318

28,900

Finance

2025

2024

Raising

Advancement

donations

of

and

Christian

Total

Total

legacies

faith

activities

activities

£

£

£

£

Bank charges

1,375

1,374

2,749

9,118

Governance costs

2025

2024

Advancement

of

Christian

Total

faith

activities

£

£

Accountancy and legal fees

11,904

15,459

10.	NET INCOME/(EXPENDITURE)

Net income/(expenditure) is stated after charging/(crediting):

2025

2024

£

£

Depreciation - owned assets

673

-

11.	TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 30th June 2025 nor for the year ended 30th June 2024.

Trustees' expenses

There were no trustees' expenses paid for the year ended 30th June 2025 nor for the year ended 30th June 2024.

12.	STAFF COSTS

The average number of employees during the year was 1 (2024: 1).

No employees received emoluments in excess of £60,000.

13.	TANGIBLE FIXED ASSETS

Computer

equipment

£

COST

At 1st July 2024

1,346

Additions

3,494

At 30th June 2025

4,840

DEPRECIATION

At 1st July 2024

1,346

Charge for year

673

At 30th June 2025

2,019

NET BOOK VALUE

At 30th June 2025

2,821

At 30th June 2024

-

14.	DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

VAT

621

2,368

Accrued income

24,585

53,517

Prepayments

-

232

25,206

56,117

15.	CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

2025

2024

£

£

Trade creditors

10,494

14,843

Other creditors

13,733

18,879

24,227

33,722

16.	MOVEMENT IN FUNDS

Net

movement

At

At 1.7.24

in funds

30.6.25

£

£

£

Unrestricted funds

General fund

172,863

(46,545

)

126,318

TOTAL FUNDS

172,863

(46,545

)

126,318

Net movement in funds, included in the above are as follows:

Incoming

Resources

Movement

resources

expended

in funds

£

£

£

Unrestricted funds

General fund

192,360

(238,905

)

(46,545

)

TOTAL FUNDS

192,360

(238,905

)

(46,545

)

Comparatives for movement in funds

Net

movement

At

At 1.7.23

in funds

30.6.24

£

£

£

Unrestricted funds

General fund

233,768

(60,905

)

172,863

TOTAL FUNDS

233,768

(60,905

)

172,863

Comparative net movement in funds, included in the above are as follows:

Incoming

Resources

Movement

resources

expended

in funds

£

£

£

Unrestricted funds

General fund

213,909

(274,814

)

(60,905

)

TOTAL FUNDS

213,909

(274,814

)

(60,905

)