01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 11 June 2004
- Removed
- Not supplied
- Company number supplied
- 04828558
- Financial period
- 1 January 2025 – 31 December 2025
- Latest income
- £7,618,088
- Latest expenditure
- £6,594,360
- Gift Aid
- Yes
- Owns or uses land
- Yes
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: 1 -2 Paris Garden, LONDON, SE1 8ND
Website recorded by the regulator: www.microloanfoundation.org.uk (displayed as text)
02 Activities
What the charity does
We are a not-for-profit microfinace institution focussing on sub-saharan africa. Our mission is to significantly reduce the depth and breadth of poverty in the communities within which we operate. We do this by lending money to groups of rural women to help them build sustainable businesses, and by providing meaningful training and ongoing mentoring support.
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
- 7 October 2026
- Date Accounts Received
- 7 October 2026
- Total Gross Income
- £7,618,088
- Total Gross Expenditure
- £6,594,360
- 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
- 10 October 2025
- Date Accounts Received
- 10 October 2025
- Total Gross Income
- £5,609,337
- Total Gross Expenditure
- £5,130,882
- 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
- 4 September 2024
- Date Accounts Received
- 4 September 2024
- Total Gross Income
- £6,140,987
- Total Gross Expenditure
- £5,621,792
- 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
- 5 September 2023
- Date Accounts Received
- 5 September 2023
- Total Gross Income
- £5,327,658
- Total Gross Expenditure
- £4,763,323
- 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
- 3 October 2022
- Date Accounts Received
- 3 October 2022
- Total Gross Income
- £3,787,887
- Total Gross Expenditure
- £3,152,739
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
- 7 October 2026
- Total Gross Income
- £7,618,088
- Total Gross Expenditure
- £6,594,360
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 1
- Count Salary Band 70001 80000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 140001 150000
- 1
- Count Volunteers
- 12
- 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
- 10 October 2025
- Total Gross Income
- £5,609,337
- Total Gross Expenditure
- £5,130,882
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 150001 200000
- 1
- Count Volunteers
- 14
- 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
- 4 September 2024
- Total Gross Income
- £6,140,987
- Total Gross Expenditure
- £5,621,792
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 150001 200000
- 1
- Count Volunteers
- 20
- 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
- 5 September 2023
- Total Gross Income
- £5,327,658
- Total Gross Expenditure
- £4,763,323
- Charity Raises Funds From Public
- Yes
- Charity Professional Fundraiser
- No
- Charity Commercial Participator
- No
- Grant Making Is Main Activity
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 1
- Count Salary Band 90001 100000
- 2
- Count Volunteers
- 14
- 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
- 3 October 2022
- Total Gross Income
- £3,787,887
- Total Gross Expenditure
- £3,152,739
- Charity Raises Funds From Public
- Yes
- Charity Professional Fundraiser
- No
- Charity Commercial Participator
- No
- Grant Making Is Main Activity
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 80001 90000
- 2
- Count Salary Band 90001 100000
- 1
- Count Volunteers
- 20
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
- 7 October 2026
- Income Donations And Legacies
- 1527027
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 6043816
- Income Investments
- 47245
- Income Other
- 0
- Income Total Income And Endowments
- 7618088
- Income Legacies
- 349025
- Income Endowments
- 0
- Expenditure Raising Funds
- £356,095
- Expenditure Charitable Expenditure
- £6,238,265
- Expenditure Other
- 0
- Expenditure Total
- 6594360
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 47091
- Expenditure Support Costs
- 46575
- Expenditure Depreciation
- 240478
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 45072
- Gain Loss Other
- 93895
- Reserves
- £414,334
- Assets Total Fixed
- 1110015
- Assets Own Use
- 1110015
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £13,100,112
- Assets Total Liabilities
- £10,840,863
- Assets Current Investment
- 796216
- Assets Total Assets And Liabilities
- £3,369,264
- Creditors One Year Total Current
- 3711302
- Creditors Falling Due After One Year
- 7129561
- Assets Cash
- £1,952,864
- Funds Endowment
- 0
- Funds Unrestricted
- 3237653
- Funds Restricted
- 131611
- Funds Total
- 3369264
- Count Employees
- 342
- 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
- 10 October 2025
- Income Donations And Legacies
- 1138503
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 4363632
- Income Investments
- 107202
- Income Other
- 0
- Income Total Income And Endowments
- 5609337
- Income Legacies
- 263011
- Income Endowments
- 0
- Expenditure Raising Funds
- £368,745
- Expenditure Charitable Expenditure
- £4,762,137
- Expenditure Other
- 0
- Expenditure Total
- 5130882
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 0
- Expenditure Support Costs
- 35110
- Expenditure Depreciation
- 196323
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- -65678
- Reserves
- £456,263
- Assets Total Fixed
- 830313
- Assets Own Use
- 830313
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £7,100,921
- Assets Total Liabilities
- £5,724,666
- Assets Current Investment
- 468404
- Assets Total Assets And Liabilities
- £2,206,568
- Creditors One Year Total Current
- 2066311
- Creditors Falling Due After One Year
- 3658355
- Assets Cash
- £399,240
- Funds Endowment
- 0
- Funds Unrestricted
- 2097295
- Funds Restricted
- 109273
- Funds Total
- 2206568
- Count Employees
- 327
- 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
- 4 September 2024
- Income Donations And Legacies
- 1178454
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 4895759
- Income Investments
- 66774
- Income Other
- 0
- Income Total Income And Endowments
- 6140987
- Income Legacies
- 151000
- Income Endowments
- 0
- Expenditure Raising Funds
- £344,318
- Expenditure Charitable Expenditure
- £5,277,474
- Expenditure Other
- 0
- Expenditure Total
- 5621792
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 29509
- Expenditure Support Costs
- 46529
- Expenditure Depreciation
- 145466
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 50675
- Gain Loss Other
- -924119
- Reserves
- £391,227
- Assets Total Fixed
- 587677
- Assets Own Use
- 587677
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £7,256,141
- Assets Total Liabilities
- £6,050,027
- Assets Current Investment
- 250000
- Assets Total Assets And Liabilities
- £1,793,791
- Creditors One Year Total Current
- 2047932
- Creditors Falling Due After One Year
- 4002095
- Assets Cash
- £1,391,187
- Funds Endowment
- 0
- Funds Unrestricted
- 1751987
- Funds Restricted
- 41804
- Funds Total
- 1793791
- Count Employees
- 268
- 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
- 5 September 2023
- Income Donations And Legacies
- 946085
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 4371653
- Income Investments
- 9920
- Income Other
- 0
- Income Total Income And Endowments
- 5327658
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £322,623
- Expenditure Charitable Expenditure
- £4,440,700
- Expenditure Other
- 0
- Expenditure Total
- 4763323
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 23146
- Expenditure Support Costs
- 35339
- Expenditure Depreciation
- 119476
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- -68007
- Reserves
- £357,369
- Assets Total Fixed
- 738649
- Assets Own Use
- 738649
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £8,158,060
- Assets Total Liabilities
- £6,748,669
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £2,148,040
- Creditors One Year Total Current
- 2999146
- Creditors Falling Due After One Year
- 3749523
- Assets Cash
- £768,214
- Funds Endowment
- 0
- Funds Unrestricted
- 2112127
- Funds Restricted
- 35913
- Funds Total
- 2148040
- Count Employees
- 255
- 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
- 3 October 2022
- Income Donations And Legacies
- 1100124
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 2665532
- Income Investments
- 22231
- Income Other
- 0
- Income Total Income And Endowments
- 3787887
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £277,259
- Expenditure Charitable Expenditure
- £2,875,480
- Expenditure Other
- 0
- Expenditure Total
- 3152739
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 19358
- Expenditure Support Costs
- 35339
- Expenditure Depreciation
- 119476
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 101140
- Reserves
- £314,574
- Assets Total Fixed
- 508454
- Assets Own Use
- 508454
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £4,441,623
- Assets Total Liabilities
- £3,298,365
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £1,651,712
- Creditors One Year Total Current
- 1432886
- Creditors Falling Due After One Year
- 1865479
- Assets Cash
- £674,005
- Funds Endowment
- 0
- Funds Unrestricted
- 1619532
- Funds Restricted
- 32180
- Funds Total
- 1651712
- Count Employees
- 232
- Consolidated Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Country
- Geographic Area Description
- United States
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- North America
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Zimbabwe
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- South Africa
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Malawi
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Australia
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Oceania
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Zambia
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 202
- Classification Type
- Who
- Classification Description
- Elderly/old People
- Classification Code
- 207
- Classification Type
- Who
- Classification Description
- The General Public/mankind
- Classification Code
- 301
- Classification Type
- How
- Classification Description
- Makes Grants To Individuals
- Classification Code
- 105
- Classification Type
- What
- Classification Description
- The Prevention Or Relief Of Poverty
- Classification Code
- 201
- Classification Type
- Who
- Classification Description
- Children/young People
- Classification Code
- 302
- Classification Type
- How
- Classification Description
- Makes Grants To Organisations
- Classification Code
- 303
- Classification Type
- How
- Classification Description
- Provides Other Finance
08 Official extract
Charity Event History
- Charity Name
- MICROLOAN FOUNDATION
- Charity Event Order
- 2
- Event Type
- Asset transfer in
- Date Of Event
- 2025-07-25T00:00:00
- Reason
- Ceased to exist
- Assoc Organisation Number
- 4022657
- Assoc Registered Charity Number
- 1115357
- Assoc Charity Name
- THE SUSTAINABLE, ECOLOGICAL AND ECONOMIC DEVELOPMENT PROJECT ('THE SEED PROJECT')
- Charity Name
- MICROLOAN FOUNDATION
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2004-06-11T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES INCORPORATED 10 JUL 2003AS AMENDED BY SPECIAL RESOLUTION(S) DATED 19 SEP 2006AS AMENDED BY SPECIAL RESOLUTION(S) DATED 15 SEP 2009AS AMENDED BY SPECIAL RESOLUTION(S) DATED 28 JUL 2010AS AMENDED BY SPECIAL RESOLUTION(S) DATED 10 DEC 2018
- Charitable Objects
- THE RELIEF OF FINANCIAL HARDSHIPTHE ADVANCEMENT OF EDUCATIONTHE RELIEF OF SICKNESS BY THE PROVISION WORLDWIDE OF MICROFINANCE SERVICES
- Area Of Benefit
- WORLDWIDE
10 Official extract
Charity Other Names
- Charity Name Id
- 345886
- Charity Name Type
- Previous name
- Charity Name
- MICRO LOAN FOUNDATION
11 Official extract
Charity Policy
- Policy Name
- Social media policy and procedures
- Policy Name
- Complaints policy and procedures
- Policy Name
- Safeguarding vulnerable beneficiaries
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Paying staff
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Safeguarding policy and procedures
- Policy Name
- Conflicting interests
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Internal charity financial controls policy and procedures
- Policy Name
- Investing charity funds policy and procedures
- Policy Name
- Trustee conflicts of interest policy and procedures
- Policy Name
- Volunteer management
- Policy Name
- Trustee expenses policy and procedures
- Policy Name
- Risk management
- Policy Name
- Complaints handling
- Policy Name
- Serious incident reporting policy and procedures