01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 19 January 2005
- Removed
- Not supplied
- Company number supplied
- 05322719
- Financial period
- 1 January 2025 – 31 December 2025
- Latest income
- £3,110,663
- Latest expenditure
- £2,742,731
- Gift Aid
- Yes
- Owns or uses land
- Yes
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: ANGEL COURT, 81 ST. CLEMENTS STREET, OXFORD, OX4 1AW
Website recorded by the regulator: www.opportunity.org.uk (displayed as text)
02 Activities
What the charity does
The charity through its Implementing Partners provides microfinance services to the poor, mostly in Africa. The microfinance services range from providing a safe and secure place for the poor to safeguard their savings, financial education, training as well as microfinance loans.
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
- 2 June 2026
- Date Accounts Received
- 2 June 2026
- Total Gross Income
- £3,110,663
- Total Gross Expenditure
- £2,742,731
- 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
- 1 August 2025
- Date Accounts Received
- 1 August 2025
- Total Gross Income
- £1,797,692
- Total Gross Expenditure
- £3,337,191
- 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
- 24 July 2024
- Date Accounts Received
- 24 July 2024
- Total Gross Income
- £2,716,348
- Total Gross Expenditure
- £2,757,657
- 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 September 2023
- Date Accounts Received
- 14 September 2023
- Total Gross Income
- £2,639,566
- Total Gross Expenditure
- £4,098,398
- 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
- 18 October 2022
- Date Accounts Received
- 26 September 2022
- Total Gross Income
- £4,259,213
- Total Gross Expenditure
- £2,982,557
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
- 2 June 2026
- Total Gross Income
- £3,110,663
- Total Gross Expenditure
- £2,742,731
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading 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 80001 90000
- 2
- Count Volunteers
- 4
- 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
- 1 August 2025
- Total Gross Income
- £1,797,692
- Total Gross Expenditure
- £3,337,191
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading 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
- 2
- Count Salary Band 80001 90000
- 1
- Count Salary Band 100001 110000
- 1
- 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
- 24 July 2024
- Total Gross Income
- £2,716,348
- Total Gross Expenditure
- £2,757,657
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £1
- Income From Government Grants
- £150,000
- Charity Has Trading 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 100001 110000
- 1
- 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 September 2023
- Total Gross Income
- £2,639,566
- Total Gross Expenditure
- £4,098,398
- 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
- Yes
- Count Govt Grants
- £2
- Income From Government Grants
- £218,115
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 3
- Count Volunteers
- 1
- 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
- 18 October 2022
- Total Gross Income
- £4,259,213
- Total Gross Expenditure
- £2,982,557
- 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
- Yes
- Count Govt Grants
- £3
- Income From Government Grants
- £1,825,989
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 110001 120000
- 1
- Count Volunteers
- 1
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
- 2 June 2026
- Income Donations And Legacies
- 2910335
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 0
- Income Investments
- 200328
- Income Other
- 0
- Income Total Income And Endowments
- 3110663
- Income Legacies
- 28582
- Income Endowments
- 0
- Expenditure Raising Funds
- £410,720
- Expenditure Charitable Expenditure
- £2,332,011
- Expenditure Other
- 0
- Expenditure Total
- 2742731
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 21624
- Expenditure Support Costs
- 280702
- Expenditure Depreciation
- 4036
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £2,176,161
- Assets Total Fixed
- 335999
- Assets Own Use
- 2728
- Assets Long Term Investment
- 333271
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £4,866,666
- Assets Total Liabilities
- £61,432
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £5,141,233
- Creditors One Year Total Current
- 61432
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £4,622,503
- Funds Endowment
- 0
- Funds Unrestricted
- 2176161
- Funds Restricted
- 2965072
- Funds Total
- 5141233
- Count Employees
- 12
- 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
- 1 August 2025
- Income Donations And Legacies
- 1587764
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 0
- Income Investments
- 203428
- Income Other
- 6500
- Income Total Income And Endowments
- 1797692
- Income Legacies
- 13692
- Income Endowments
- 0
- Expenditure Raising Funds
- £525,436
- Expenditure Charitable Expenditure
- £2,811,755
- Expenditure Other
- 0
- Expenditure Total
- 3337191
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 28751
- Expenditure Support Costs
- 423002
- Expenditure Depreciation
- 4451
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £1,990,106
- Assets Total Fixed
- 653897
- Assets Own Use
- 6764
- Assets Long Term Investment
- 647133
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £4,189,138
- Assets Total Liabilities
- £69,734
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £4,773,301
- Creditors One Year Total Current
- 69734
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £3,992,577
- Funds Endowment
- 0
- Funds Unrestricted
- 2081520
- Funds Restricted
- 2691781
- Funds Total
- 4773301
- Count Employees
- 13
- 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
- 24 July 2024
- Income Donations And Legacies
- 2555923
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 0
- Income Investments
- 143425
- Income Other
- 17000
- Income Total Income And Endowments
- 2716348
- Income Legacies
- 108942
- Income Endowments
- 0
- Expenditure Raising Funds
- £433,637
- Expenditure Charitable Expenditure
- £2,324,020
- Expenditure Other
- 0
- Expenditure Total
- 2757657
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 28339
- Expenditure Support Costs
- 358916
- Expenditure Depreciation
- 3171
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £2,389,586
- Assets Total Fixed
- 804861
- Assets Own Use
- 8339
- Assets Long Term Investment
- 796522
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £5,578,829
- Assets Total Liabilities
- £70,890
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £6,312,800
- Creditors One Year Total Current
- 70890
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £5,414,637
- Funds Endowment
- 0
- Funds Unrestricted
- 2689586
- Funds Restricted
- 3623214
- Funds Total
- 6312800
- Count Employees
- 12
- 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 September 2023
- Income Donations And Legacies
- 2374945
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 0
- Income Investments
- 15621
- Income Other
- 249000
- Income Total Income And Endowments
- 2639566
- Income Legacies
- 489254
- Income Endowments
- 0
- Expenditure Raising Funds
- £471,578
- Expenditure Charitable Expenditure
- £3,626,820
- Expenditure Other
- 0
- Expenditure Total
- 4098398
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 17063
- Expenditure Support Costs
- 305476
- Expenditure Depreciation
- 3753
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £2,416,214
- Assets Total Fixed
- 915552
- Assets Own Use
- 5499
- Assets Long Term Investment
- 910053
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £5,551,319
- Assets Total Liabilities
- £112,762
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £6,354,109
- Creditors One Year Total Current
- 112762
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £5,247,176
- Funds Endowment
- 0
- Funds Unrestricted
- 3221769
- Funds Restricted
- 3132340
- Funds Total
- 6354109
- Count Employees
- 14
- 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
- 18 October 2022
- Income Donations And Legacies
- 4155561
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 0
- Income Investments
- 8705
- Income Other
- 94947
- Income Total Income And Endowments
- 4259213
- Income Legacies
- 459891
- Income Endowments
- 0
- Expenditure Raising Funds
- £414,378
- Expenditure Charitable Expenditure
- £2,568,179
- Expenditure Other
- 0
- Expenditure Total
- 2982557
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 14337
- Expenditure Support Costs
- 290563
- Expenditure Depreciation
- 8284
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £2,839,031
- Assets Total Fixed
- 2621037
- Assets Own Use
- 5687
- Assets Long Term Investment
- 2615350
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £5,359,209
- Assets Total Liabilities
- £167,305
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £7,812,941
- Creditors One Year Total Current
- 167305
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £4,912,850
- Funds Endowment
- 0
- Funds Unrestricted
- 2839031
- Funds Restricted
- 4973910
- Funds Total
- 7812941
- Count Employees
- 17
- Consolidated Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Country
- Geographic Area Description
- Ghana
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Uganda
- 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
- Scotland
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Europe
- Welsh Ind
- No
- Geographic Area Type
- Region
- Geographic Area Description
- Throughout England And Wales
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Pakistan
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Asia
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Rwanda
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Africa
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 302
- Classification Type
- How
- Classification Description
- Makes Grants To Organisations
- Classification Code
- 310
- Classification Type
- How
- Classification Description
- Other Charitable Activities
- Classification Code
- 206
- Classification Type
- Who
- Classification Description
- Other Defined Groups
- Classification Code
- 101
- Classification Type
- What
- Classification Description
- General Charitable Purposes
- Classification Code
- 117
- Classification Type
- What
- Classification Description
- Other Charitable Purposes
- Classification Code
- 105
- Classification Type
- What
- Classification Description
- The Prevention Or Relief Of Poverty
08 Official extract
Charity Event History
- Charity Name
- OPPORTUNITY INTERNATIONAL UNITED KINGDOM
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2005-01-19T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES INCORPORATED 04/01/2004AS AMENDED BY SPECIAL RESOLUTION(S) DATED 04/06/2008AS AMENDED BY SPECIAL RESOLUTION(S) DATED 06/11/2014
- Charitable Objects
- TO RELIEVE POVERTY AND PROMOTE EDUCATION IN THE UNITED KINGDOM AND ABROAD, AND IN PARTICULAR (WITHOUT PREJUDICE TO THAT GENERALITY):1. BY THE PROVISION OF EDUCATION, TRAINING AND RE-TRAINING OF THE SKILLS REQUIRED FOR THE EMPLOYMENT AND SELF-EMPLOYMENT, AND2. BY THE PROVISION TO POOR PERSONS OF ASSISTANCE IN THE ESTABLISHMENT OF SMALL BUSINESSES, AND3. THE PROVISION OF TEMPORARY SUPPORT FOR APPROPRIATE SMALL BUSINESSES.'APPROPRIATE' IN THIS CONTEXT SHALL MEAN SMALL BUSINESSES OWNED BY AND PRIMARILY EMPLOYING POOR PERSONS WHERE THERE IS OTHERWISE INSUFFICIENT ALTERNATIVE EMPLOYMENT TO RELIEVE THEIR POVERTY AND WHERE ANY SUCH BUSINESS IS IN DANGER OF FAILURE WITHOUT SUCH TEMPORARY SUPPORT, BUT IN CIRCUMSTANCES WHERE WITH SUCH SUPPORT THE SMALL BUSINESS CONCERNED SHALL IN THE OPINION OF THE TRUSTEES HAVE GOOD PROSPECTS OF RECOVERY AND VIABILITY.
- Area Of Benefit
- UNITED KINGDOM AND ABROAD.
10 Official extract
Charity Other Names
- Charity Name Id
- 439826
- Charity Name Type
- Working name
- Charity Name
- OPPORTUNITY UK
11 Official extract
Charity Policy
- Policy Name
- Safeguarding vulnerable beneficiaries
- Policy Name
- Risk management
- Policy Name
- Investment
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Safeguarding policy and procedures
- Policy Name
- Trustee expenses policy and procedures
- Policy Name
- Investing charity funds policy and procedures
- Policy Name
- Complaints handling
- Policy Name
- Social media policy and procedures
- Policy Name
- Conflicting interests
- Policy Name
- Trustee conflicts of interest policy and procedures
- Policy Name
- Volunteer management
- Policy Name
- Internal charity financial controls policy and procedures
- Policy Name
- Serious incident reporting policy and procedures
- Policy Name
- Complaints policy and procedures
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Paying staff