CCEW Charity Commission profile

FOUNDATION FOR CREDIT COUNSELLING

Registered charity 1016630 · organisation 1016630

01 Identity

Registration and reporting

Registration status
Registered
Reporting status
Submission Received
Charity type
Charitable company
Registered
28 January 1993
Removed
Not supplied
Company number supplied
02757055
Financial period
1 January 2025 – 31 December 2025
Latest income
£64,519,000
Latest expenditure
£61,850,000
Gift Aid
Yes
Owns or uses land
No
In administration
No
Insolvent
No
CIO
No

Public contact address: 123 Albion Street, Leeds, LS2 8ER

Website recorded by the regulator: www.stepchange.org (displayed as text)

02 Activities

What the charity does

Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions.

03 Official extract

Charity Annual Return History

Fin Period Start Date
1 January 2025
Fin Period End Date
31 December 2025
Ar Cycle Reference
AR25
Reporting Due Date
31 October 2026
Date Annual Return Received
5 August 2026
Date Accounts Received
5 August 2026
Total Gross Income
£64,519,000
Total Gross Expenditure
£61,850,000
Fin Period Start Date
1 January 2024
Fin Period End Date
31 December 2024
Ar Cycle Reference
AR24
Reporting Due Date
31 October 2025
Date Annual Return Received
14 August 2025
Date Accounts Received
14 August 2025
Total Gross Income
£58,431,000
Total Gross Expenditure
£59,525,000
Fin Period Start Date
1 January 2023
Fin Period End Date
31 December 2023
Ar Cycle Reference
AR23
Reporting Due Date
31 October 2024
Date Annual Return Received
20 August 2024
Date Accounts Received
20 August 2024
Total Gross Income
£54,731,000
Total Gross Expenditure
£59,467,000
Fin Period Start Date
1 January 2022
Fin Period End Date
31 December 2022
Ar Cycle Reference
AR22
Reporting Due Date
31 October 2023
Date Annual Return Received
14 August 2023
Date Accounts Received
14 August 2023
Total Gross Income
£62,002,000
Total Gross Expenditure
£59,938,000
Fin Period Start Date
1 January 2021
Fin Period End Date
31 December 2021
Ar Cycle Reference
AR21
Reporting Due Date
31 October 2022
Date Annual Return Received
21 August 2022
Date Accounts Received
21 August 2022
Total Gross Income
£60,976,000
Total Gross Expenditure
£61,590,000

04 Official extract

Charity Annual Return Parta

Latest Fin Period Submitted Ind
Yes
Fin Period Order Number
1
Ar Cycle Reference
AR25
Fin Period Start Date
1 January 2025
Fin Period End Date
31 December 2025
Ar Due Date
31 October 2026
Ar Received Date
5 August 2026
Total Gross Income
£64,519,000
Total Gross Expenditure
£61,850,000
Grant Making Is Main Activity
No
Count Govt Contracts
0
Count Govt Grants
£1
Income From Government Grants
£1,484,630
Charity Has Trading Subsidiary
Yes
Trustee Also Director Of Subsidiary
Yes
Does Trustee Receive Any Benefit
Yes
Trustee Payments Acting As Trustee
Yes
Trustee Receives Payments Services
No
Trustee Receives Other Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
Yes
Count Salary Band 60001 70000
31
Count Salary Band 70001 80000
8
Count Salary Band 80001 90000
6
Count Salary Band 90001 100000
6
Count Salary Band 100001 110000
6
Count Salary Band 110001 120000
1
Count Salary Band 120001 130000
2
Count Salary Band 130001 140000
0
Count Salary Band 140001 150000
2
Count Salary Band 150001 200000
2
Count Salary Band 200001 250000
1
Count Salary Band 250001 300000
0
Count Salary Band 300001 350000
0
Count Salary Band 350001 400000
0
Count Salary Band 400001 450000
0
Count Salary Band 450001 500000
0
Count Salary Band Over 500000
0
Count Volunteers
0
Latest Fin Period Submitted Ind
No
Fin Period Order Number
2
Ar Cycle Reference
AR24
Fin Period Start Date
1 January 2024
Fin Period End Date
31 December 2024
Ar Due Date
31 October 2025
Ar Received Date
14 August 2025
Total Gross Income
£58,431,000
Total Gross Expenditure
£59,525,000
Grant Making Is Main Activity
No
Count Govt Contracts
0
Count Govt Grants
£1
Income From Government Grants
£1,327,208
Charity Has Trading Subsidiary
Yes
Trustee Also Director Of Subsidiary
Yes
Does Trustee Receive Any Benefit
Yes
Trustee Payments Acting As Trustee
Yes
Trustee Receives Payments Services
No
Trustee Receives Other Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
Yes
Count Salary Band 60001 70000
27
Count Salary Band 70001 80000
8
Count Salary Band 80001 90000
3
Count Salary Band 90001 100000
7
Count Salary Band 100001 110000
4
Count Salary Band 110001 120000
1
Count Salary Band 120001 130000
0
Count Salary Band 130001 140000
2
Count Salary Band 140001 150000
1
Count Salary Band 150001 200000
4
Count Salary Band 200001 250000
0
Count Salary Band 250001 300000
0
Count Salary Band 300001 350000
0
Count Salary Band 350001 400000
0
Count Salary Band 400001 450000
0
Count Salary Band 450001 500000
0
Count Salary Band Over 500000
0
Count Volunteers
0
Latest Fin Period Submitted Ind
No
Fin Period Order Number
3
Ar Cycle Reference
AR23
Fin Period Start Date
1 January 2023
Fin Period End Date
31 December 2023
Ar Due Date
31 October 2024
Ar Received Date
20 August 2024
Total Gross Income
£54,731,000
Total Gross Expenditure
£59,467,000
Grant Making Is Main Activity
No
Count Govt Contracts
0
Count Govt Grants
£3
Income From Government Grants
£3,248,919
Charity Has Trading Subsidiary
Yes
Trustee Also Director Of Subsidiary
Yes
Does Trustee Receive Any Benefit
Yes
Trustee Payments Acting As Trustee
Yes
Trustee Receives Payments Services
No
Trustee Receives Other Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
Yes
Count Salary Band 60001 70000
20
Count Salary Band 70001 80000
3
Count Salary Band 80001 90000
7
Count Salary Band 90001 100000
5
Count Salary Band 100001 110000
2
Count Salary Band 110001 120000
1
Count Salary Band 120001 130000
4
Count Salary Band 130001 140000
0
Count Salary Band 140001 150000
0
Count Salary Band 150001 200000
1
Count Salary Band 200001 250000
0
Count Salary Band 250001 300000
0
Count Salary Band 300001 350000
0
Count Salary Band 350001 400000
0
Count Salary Band 400001 450000
0
Count Salary Band 450001 500000
0
Count Salary Band Over 500000
0
Count Volunteers
0
Latest Fin Period Submitted Ind
No
Fin Period Order Number
4
Ar Cycle Reference
AR22
Fin Period Start Date
1 January 2022
Fin Period End Date
31 December 2022
Ar Due Date
31 October 2023
Ar Received Date
14 August 2023
Total Gross Income
£62,002,000
Total Gross Expenditure
£59,938,000
Charity Raises Funds From Public
No
Charity Receives Govt Funding Contracts
No
Charity Receives Govt Funding Grants
Yes
Count Govt Grants
£6
Income From Government Grants
£12,447,000
Charity Has Trading Subsidiary
Yes
Trustee Also Director Of Subsidiary
Yes
Does Trustee Receive Any Benefit
Yes
Trustee Payments Acting As Trustee
Yes
Trustee Receives Payments Services
No
Trustee Receives Other Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
Yes
Count Salary Band 60001 70000
15
Count Salary Band 70001 80000
7
Count Salary Band 80001 90000
7
Count Salary Band 90001 100000
1
Count Salary Band 100001 110000
2
Count Salary Band 110001 120000
1
Count Salary Band 120001 130000
3
Count Salary Band 130001 140000
1
Count Salary Band 140001 150000
0
Count Salary Band 150001 200000
0
Count Salary Band 200001 250000
1
Count Salary Band 250001 300000
0
Count Salary Band 300001 350000
0
Count Salary Band 350001 400000
0
Count Salary Band 400001 450000
0
Count Salary Band 450001 500000
0
Count Salary Band Over 500000
0
Count Volunteers
0
Latest Fin Period Submitted Ind
No
Fin Period Order Number
5
Ar Cycle Reference
AR21
Fin Period Start Date
1 January 2021
Fin Period End Date
31 December 2021
Ar Due Date
31 October 2022
Ar Received Date
21 August 2022
Total Gross Income
£60,976,000
Total Gross Expenditure
£61,590,000
Charity Raises Funds From Public
No
Charity Receives Govt Funding Contracts
No
Charity Receives Govt Funding Grants
Yes
Count Govt Grants
£14
Income From Government Grants
£12,099,076
Charity Has Trading Subsidiary
Yes
Trustee Also Director Of Subsidiary
Yes
Does Trustee Receive Any Benefit
Yes
Trustee Payments Acting As Trustee
Yes
Trustee Receives Payments Services
No
Trustee Receives Other Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
Yes
Count Salary Band 60001 70000
12
Count Salary Band 70001 80000
9
Count Salary Band 80001 90000
6
Count Salary Band 90001 100000
2
Count Salary Band 100001 110000
1
Count Salary Band 110001 120000
3
Count Salary Band 120001 130000
2
Count Salary Band 130001 140000
1
Count Salary Band 140001 150000
0
Count Salary Band 150001 200000
1
Count Salary Band 200001 250000
1
Count Salary Band 250001 300000
0
Count Salary Band 300001 350000
0
Count Salary Band 350001 400000
0
Count Salary Band 400001 450000
0
Count Salary Band 450001 500000
0
Count Salary Band Over 500000
0
Count Volunteers
0

05 Official extract

Charity Annual Return Partb

Latest Fin Period Submitted Ind
Yes
Fin Period Order Number
1
Ar Cycle Reference
AR25
Fin Period Start Date
1 January 2025
Fin Period End Date
31 December 2025
Ar Due Date
31 October 2026
Ar Received Date
5 August 2026
Income Donations And Legacies
15803000
Income Other Trading Activities
2743000
Income Charitable Activities
45723000
Income Investments
156000
Income Other
94000
Income Total Income And Endowments
64519000
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£1,907,000
Expenditure Charitable Expenditure
£59,943,000
Expenditure Other
0
Expenditure Total
61850000
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
520000
Expenditure Support Costs
27160000
Expenditure Depreciation
464000
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£13,444,000
Assets Total Fixed
915000
Assets Own Use
915000
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£20,397,000
Assets Total Liabilities
£5,430,000
Assets Current Investment
0
Assets Total Assets And Liabilities
£15,882,000
Creditors One Year Total Current
5153000
Creditors Falling Due After One Year
277000
Assets Cash
£9,317,000
Funds Endowment
0
Funds Unrestricted
13444000
Funds Restricted
2438000
Funds Total
15882000
Count Employees
1065
Consolidated Accounts
Yes
Latest Fin Period Submitted Ind
No
Fin Period Order Number
2
Ar Cycle Reference
AR24
Fin Period Start Date
1 January 2024
Fin Period End Date
31 December 2024
Ar Due Date
31 October 2025
Ar Received Date
14 August 2025
Income Donations And Legacies
17820000
Income Other Trading Activities
2866000
Income Charitable Activities
37436000
Income Investments
249000
Income Other
60000
Income Total Income And Endowments
58431000
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£2,372,000
Expenditure Charitable Expenditure
£57,153,000
Expenditure Other
0
Expenditure Total
59525000
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
517000
Expenditure Support Costs
28122000
Expenditure Depreciation
505000
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£12,810,000
Assets Total Fixed
1132000
Assets Own Use
1132000
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£16,770,000
Assets Total Liabilities
£4,690,000
Assets Current Investment
0
Assets Total Assets And Liabilities
£13,212,000
Creditors One Year Total Current
4136000
Creditors Falling Due After One Year
554000
Assets Cash
£5,233,000
Funds Endowment
0
Funds Unrestricted
12809000
Funds Restricted
403000
Funds Total
13212000
Count Employees
1137
Consolidated Accounts
Yes
Latest Fin Period Submitted Ind
No
Fin Period Order Number
3
Ar Cycle Reference
AR23
Fin Period Start Date
1 January 2023
Fin Period End Date
31 December 2023
Ar Due Date
31 October 2024
Ar Received Date
20 August 2024
Income Donations And Legacies
11870000
Income Other Trading Activities
3131000
Income Charitable Activities
39383000
Income Investments
260000
Income Other
87000
Income Total Income And Endowments
54731000
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£2,761,000
Expenditure Charitable Expenditure
£56,704,000
Expenditure Other
2000
Expenditure Total
59467000
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
425000
Expenditure Support Costs
26357000
Expenditure Depreciation
2182000
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£13,903,000
Assets Total Fixed
1387000
Assets Own Use
1387000
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£18,188,000
Assets Total Liabilities
£4,772,000
Assets Current Investment
0
Assets Total Assets And Liabilities
£14,803,000
Creditors One Year Total Current
3941000
Creditors Falling Due After One Year
831000
Assets Cash
£9,492,000
Funds Endowment
0
Funds Unrestricted
13903000
Funds Restricted
900000
Funds Total
14803000
Count Employees
1115
Consolidated Accounts
Yes
Latest Fin Period Submitted Ind
No
Fin Period Order Number
4
Ar Cycle Reference
AR22
Fin Period Start Date
1 January 2022
Fin Period End Date
31 December 2022
Ar Due Date
31 October 2023
Ar Received Date
14 August 2023
Income Donations And Legacies
5037000
Income Other Trading Activities
3983000
Income Charitable Activities
52823000
Income Investments
25000
Income Other
134000
Income Total Income And Endowments
62002000
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£2,869,000
Expenditure Charitable Expenditure
£57,066,000
Expenditure Other
3000
Expenditure Total
59938000
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
378000
Expenditure Support Costs
24438000
Expenditure Depreciation
2883000
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£17,739,000
Assets Total Fixed
3468000
Assets Own Use
3468000
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£22,249,000
Assets Total Liabilities
£6,178,000
Assets Current Investment
0
Assets Total Assets And Liabilities
£19,539,000
Creditors One Year Total Current
5070000
Creditors Falling Due After One Year
1108000
Assets Cash
£11,631,000
Funds Endowment
0
Funds Unrestricted
17739000
Funds Restricted
1800000
Funds Total
19539000
Count Employees
1249
Consolidated Accounts
Yes
Latest Fin Period Submitted Ind
No
Fin Period Order Number
5
Ar Cycle Reference
AR21
Fin Period Start Date
1 January 2021
Fin Period End Date
31 December 2021
Ar Due Date
31 October 2022
Ar Received Date
21 August 2022
Income Donations And Legacies
810000
Income Other Trading Activities
4381000
Income Charitable Activities
53504000
Income Investments
1000
Income Other
2280000
Income Total Income And Endowments
60976000
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£3,073,000
Expenditure Charitable Expenditure
£58,517,000
Expenditure Other
0
Expenditure Total
61590000
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
349000
Expenditure Support Costs
23054000
Expenditure Depreciation
2689000
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£17,392,000
Assets Total Fixed
6227000
Assets Own Use
6227000
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£16,377,000
Assets Total Liabilities
£5,129,000
Assets Current Investment
0
Assets Total Assets And Liabilities
£17,475,000
Creditors One Year Total Current
3743000
Creditors Falling Due After One Year
1386000
Assets Cash
£7,120,000
Funds Endowment
0
Funds Unrestricted
17392000
Funds Restricted
83000
Funds Total
17475000
Count Employees
1450
Consolidated Accounts
Yes

06 Official extract

Charity Area Of Operation

Geographic Area Type
Region
Geographic Area Description
Throughout England And Wales
Welsh Ind
No
Geographic Area Type
Country
Geographic Area Description
Northern Ireland
Parent Geographic Area Type
Continent
Parent Geographic Area Description
Europe
Welsh Ind
No
Geographic Area Type
Country
Geographic Area Description
Scotland
Parent Geographic Area Type
Continent
Parent Geographic Area Description
Europe
Welsh Ind
No

07 Official extract

Charity Classification

Classification Code
105
Classification Type
What
Classification Description
The Prevention Or Relief Of Poverty
Classification Code
306
Classification Type
How
Classification Description
Provides Services
Classification Code
207
Classification Type
Who
Classification Description
The General Public/mankind

08 Official extract

Charity Event History

Charity Name
FOUNDATION FOR CREDIT COUNSELLING
Charity Event Order
1
Event Type
Standard registration
Date Of Event
1993-01-28T00:00:00

09 Official extract

Charity Governing Document

Governing Document Description
MEMORANDUM AND ARTICLES INCORPORATED 19/10/1992AS AMENDED BY SPECIAL RESOLUTION(S) DATED 23/02/1999AS AMENDED BY SPECIAL RESOLUTION(S) DATED 01/07/2003AS AMENDED BY SPECIAL RESOLUTION(S) DATED 06/02/2004AS AMENDED BY SPECIAL RESOLUTION(S) DATED 13/06/2006AS AMENDED BY SPECIAL RESOLUTION(S) DATED 02/11/2007AS AMENDED BY SPECIAL RESOLUTION(S) DATED 22/06/2009AS AMENDED BY SPECIAL RESOLUTION(S) DATED 12/10/2012AS AMENDED BY SPECIAL RESOLUTION(S) DATED 07/04/2014AS AMENDED BY SPECIAL RESOLUTION(S) DATED 08/12/2015AS AMENDED BY SPECIAL RESOLUTION(S) DATED 30 APR 2019
Charitable Objects
3.1 THE PREVENTION OR RELIEF OF POVERTY AMONGST PERSONS WHO ARE IN DEBT (PARTICULARLY IN THE UNITED KINGDOM) BY: (1) THE PROVISION OF ADVICE TO ASSIST SUCH PERSONS TO RE-SCHEDULE AND RE-FINANCE THEIR BORROWINGS; (2) THE PROVISION OF FINANCIAL EDUCATION TO ENABLE SUCH PERSONS TO MANAGE THEIR FINANCES MORE EFFECTIVELY; (3) THE ESTABLISHMENT AND SUPPORT OF COUNSELLING CENTRES TO WHICH PERSONS MAY RESORT FOR ADVICE ON DEBT MATTERS GENERALLY; (4) THE ESTABLISHMENT OF AN INSOLVENCY PRACTICE TO WHICH SUCH PERSONS MAY RESORT AS AN ALTERNATIVE SOLUTION TO DEBT PROBLEMS; AND (5) THE ESTABLISHMENT OF SUCH OTHER SERVICES OR PRODUCTS FOR THE PUBLIC BENEFIT TO ASSIST IN THE RELIEF OF POVERTY3.2 TO ADVANCE THE EDUCATION OF THE PUBLIC IN GENERAL (AND PARTICULARLY AMONGST PERSONS IN DEBT OR AT RISK OF FALLING INTO DEBT) ON THE SUBJECT OF FINANCIAL BUDGETING, FINANCIAL PRODUCTS AND FINANCIAL SERVICES
Area Of Benefit
UNITED KINGDOM

10 Official extract

Charity Other Names

Charity Name Id
533501
Charity Name Type
Working name
Charity Name
STEPCHANGE DEBT CHARITY
Charity Name Id
105656
Charity Name Type
Previous name
Charity Name
CCCS
Charity Name Id
105666
Charity Name Type
Previous name
Charity Name
CONSUMER CREDIT COUNSELLING SERVICE

11 Official extract

Charity Other Regulators

Regulator Order
1
Regulator Name
Financial Conduct Authority

12 Official extract

Charity Policy

Policy Name
Financial reserves policy and procedures
Policy Name
Investing charity funds policy and procedures
Policy Name
Internal charity financial controls policy and procedures
Policy Name
Complaints policy and procedures
Policy Name
Conflicting interests
Policy Name
Risk management
Policy Name
Investment
Policy Name
Safeguarding vulnerable beneficiaries
Policy Name
Safeguarding policy and procedures
Policy Name
Campaigns and political activity policy and procedures
Policy Name
Social media policy and procedures
Policy Name
Paying staff
Policy Name
Internal risk management policy and procedures
Policy Name
Trustee conflicts of interest policy and procedures
Policy Name
Trustee expenses policy and procedures
Policy Name
Complaints handling
Policy Name
Bullying and harassment policy and procedures