01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 11 October 2010
- Removed
- Not supplied
- Company number supplied
- 07205478
- Financial period
- 1 April 2024 – 31 March 2025
- Latest income
- £468,000
- Latest expenditure
- £482,000
- Gift Aid
- No
- Owns or uses land
- No
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: Unit 4.6, 244-254 Cambridge Heath Road, London, E2 9DA
Website recorded by the regulator: rootedfinance.org.uk (displayed as text)
02 Activities
What the charity does
Prevention and relief of poverty through the provision of impartial debt advice to members of the public Advancement of the education of the public in the subject of debt and personal financial management Assistance and support of the development and use of financial products to provide relief to those in need by reason of financial hardship, social exclusion and other disadvantages.
03 Official extract
Charity Annual Return History
- Fin Period Start Date
- 1 April 2024
- Fin Period End Date
- 31 March 2025
- Ar Cycle Reference
- AR25
- Reporting Due Date
- 31 January 2026
- Date Annual Return Received
- 26 January 2026
- Date Accounts Received
- 26 January 2026
- Total Gross Income
- £468,000
- Total Gross Expenditure
- £482,000
- Fin Period Start Date
- 1 April 2023
- Fin Period End Date
- 31 March 2024
- Ar Cycle Reference
- AR24
- Reporting Due Date
- 31 January 2025
- Date Annual Return Received
- 27 January 2025
- Date Accounts Received
- 27 January 2025
- Total Gross Income
- £655,000
- Total Gross Expenditure
- £591,000
- Fin Period Start Date
- 1 April 2022
- Fin Period End Date
- 31 March 2023
- Ar Cycle Reference
- AR23
- Reporting Due Date
- 31 January 2024
- Date Annual Return Received
- 31 January 2024
- Date Accounts Received
- 31 January 2024
- Total Gross Income
- £499,757
- Total Gross Expenditure
- £405,705
- Fin Period Start Date
- 1 April 2021
- Fin Period End Date
- 31 March 2022
- Ar Cycle Reference
- AR22
- Reporting Due Date
- 31 January 2023
- Date Annual Return Received
- 30 January 2023
- Date Accounts Received
- 2 December 2022
- Total Gross Income
- £517,819
- Total Gross Expenditure
- £469,471
- Fin Period Start Date
- 1 April 2020
- Fin Period End Date
- 31 March 2021
- Ar Cycle Reference
- AR21
- Reporting Due Date
- 31 January 2022
- Date Annual Return Received
- 28 February 2022
- Date Accounts Received
- 14 December 2021
- Total Gross Income
- £373,000
- Total Gross Expenditure
- £323,000
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 April 2024
- Fin Period End Date
- 31 March 2025
- Ar Due Date
- 31 January 2026
- Ar Received Date
- 26 January 2026
- Total Gross Income
- £468,000
- Total Gross Expenditure
- £482,000
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £2
- Income From Government Grants
- £114,000
- 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 Volunteers
- 5
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 April 2023
- Fin Period End Date
- 31 March 2024
- Ar Due Date
- 31 January 2025
- Ar Received Date
- 27 January 2025
- Total Gross Income
- £655,000
- Total Gross Expenditure
- £591,000
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £3
- Income From Government Grants
- £335,000
- 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 Volunteers
- 8
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 April 2022
- Fin Period End Date
- 31 March 2023
- Ar Due Date
- 31 January 2024
- Ar Received Date
- 31 January 2024
- Total Gross Income
- £499,757
- Total Gross Expenditure
- £405,705
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £3
- Income From Government Grants
- £403,829
- 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
- No
- Count Volunteers
- 5
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 April 2021
- Fin Period End Date
- 31 March 2022
- Ar Due Date
- 31 January 2023
- Ar Received Date
- 30 January 2023
- Total Gross Income
- £517,819
- Total Gross Expenditure
- £469,471
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- Yes
- Count Govt Grants
- £3
- Income From Government Grants
- £366,119
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 4
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 April 2020
- Fin Period End Date
- 31 March 2021
- Ar Due Date
- 31 January 2022
- Ar Received Date
- 28 February 2022
- Total Gross Income
- £373,000
- Total Gross Expenditure
- £323,000
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- Yes
- Count Govt Contracts
- 1
- Charity Receives Govt Funding Grants
- Yes
- Count Govt Grants
- £1
- Income From Government Contracts
- 206000
- Income From Government Grants
- £51,000
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 3
05 Official extract
Charity Annual Return Partb
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 April 2023
- Fin Period End Date
- 31 March 2024
- Ar Due Date
- 31 January 2025
- Ar Received Date
- 27 January 2025
- Income Donations And Legacies
- 0
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 655000
- Income Investments
- 0
- Income Other
- 0
- Income Total Income And Endowments
- 655000
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £0
- Expenditure Charitable Expenditure
- £591,000
- Expenditure Other
- 0
- Expenditure Total
- 591000
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 2000
- Expenditure Support Costs
- 516384
- Expenditure Depreciation
- 0
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £411,501
- Assets Total Fixed
- 10174
- Assets Own Use
- 10174
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £411,501
- Assets Total Liabilities
- £4,211
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £417,464
- Creditors One Year Total Current
- 4211
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £411,501
- Funds Endowment
- 0
- Funds Unrestricted
- 417464
- Funds Restricted
- 0
- Funds Total
- 417464
- Count Employees
- 8
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 April 2021
- Fin Period End Date
- 31 March 2022
- Ar Due Date
- 31 January 2023
- Ar Received Date
- 30 January 2023
- Income Donations And Legacies
- 200
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 517619
- Income Investments
- 0
- Income Other
- 0
- Income Total Income And Endowments
- 517819
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £1,224
- Expenditure Charitable Expenditure
- £468,247
- Expenditure Other
- 0
- Expenditure Total
- 469471
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 5400
- Expenditure Support Costs
- 120309
- Expenditure Depreciation
- 283
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £252,960
- Assets Total Fixed
- 847
- Assets Own Use
- 847
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £253,807
- Assets Total Liabilities
- £1,694
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £252,960
- Creditors One Year Total Current
- 1694
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £252,960
- Funds Endowment
- 0
- Funds Unrestricted
- 252960
- Funds Restricted
- 0
- Funds Total
- 252960
- Count Employees
- 11
- Charity Only Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Local Authority
- Geographic Area Description
- Luton
- Welsh Ind
- No
- Geographic Area Type
- Region
- Geographic Area Description
- Throughout London
- Welsh Ind
- No
- Geographic Area Type
- Local Authority
- Geographic Area Description
- Central Bedfordshire
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 307
- Classification Type
- How
- Classification Description
- Provides Advocacy/advice/information
- Classification Code
- 105
- Classification Type
- What
- Classification Description
- The Prevention Or Relief Of Poverty
- Classification Code
- 308
- Classification Type
- How
- Classification Description
- Sponsors Or Undertakes Research
- Classification Code
- 207
- Classification Type
- Who
- Classification Description
- The General Public/mankind
- Classification Code
- 306
- Classification Type
- How
- Classification Description
- Provides Services
- Classification Code
- 206
- Classification Type
- Who
- Classification Description
- Other Defined Groups
- Classification Code
- 102
- Classification Type
- What
- Classification Description
- Education/training
08 Official extract
Charity Event History
- Charity Name
- Rooted Finance Limited
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2010-10-11T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES OF ASSOCIATION INCORPORATED 26 MARCH 2010 as amended on 12 Aug 2022 as amended on 31 Mar 2023
- Charitable Objects
- THE CHARITY'S OBJECTS (THE OBJECTS) ARE SPECIFICALLY RESTRICTED TO THE FOLLOWING: 3.1 THE PREVENTION AND RELIEF OF POVERTY THROUGH THE PROVISION OF IMPARTIAL DEBT ADVICE TO MEMBERS OF THE PUBLIC IN THE UK; 3.2 THE ADVANCEMENT OF THE EDUCATION OF THE PUBLIC IN THE SUBJECT OF DEBT AND PERSONAL FINANCIAL MANAGEMENT THROUGH THE PROVISION OF ADVICE ABOUT SELF-HELP AND THE ROLE OF APPROPRIATE FINANCIAL SERVICES IN SELF-HELP; AND3.3 THE ASSISTANCE AND SUPPORT OF THE DEVELOPMENT AND USE OF FINANCIAL PRODUCTS CREATED TO PROVIDE RELIEF TO THOSE IN NEED BY REASON OF FINANCIAL HARDSHIP, SOCIAL EXCLUSION AND OTHER DISADVANTAGES.
- Area Of Benefit
- THE UK
10 Official extract
Charity Other Names
- Charity Name Id
- 379017
- Charity Name Type
- Previous name
- Charity Name
- MONEY MATTERS PROJECT (FAIR MONEY ADVICE USED TO BE PART OF EAST END FAIR FINANCE LTD (AN IPS) AND THIS WAS THE NAME OF THE DIVISION), FMA (ACRONYM)
- Charity Name Id
- 658896
- Charity Name Type
- Previous name
- Charity Name
- Fair Money Advice
- Charity Name Id
- 668923
- Charity Name Type
- Working name
- Charity Name
- Rooted Money Advice
- Charity Name Id
- 379006
- Charity Name Type
- Previous name
- Charity Name
- FAIR MONEY ADVICE
- Charity Name Id
- 659791
- Charity Name Type
- Previous name
- Charity Name
- FMAUK Limited
11 Official extract
Charity Other Regulators
- Regulator Order
- 1
- Regulator Name
- Financial Conduct Authority
12 Official extract
Charity Policy
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Safeguarding vulnerable beneficiaries
- Policy Name
- Conflicting interests
- Policy Name
- Safeguarding policy and procedures
- Policy Name
- Volunteer management
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Trustee conflicts of interest policy and procedures
- Policy Name
- Investing charity funds policy and procedures
- Policy Name
- Risk management
- Policy Name
- Internal charity financial controls policy and procedures
- Policy Name
- Social media policy and procedures
- Policy Name
- Complaints handling
- Policy Name
- Campaigns and political activity policy and procedures
- Policy Name
- Serious incident reporting policy and procedures
- Policy Name
- Trustee expenses policy and procedures
- Policy Name
- Complaints policy and procedures
- Policy Name
- Paying staff