JUST FINANCE FOUNDATION — Charity Commission profile

01 Identity

Registration and reporting

Registration status: Registered
Reporting status: Submission Received
Charity type: Charitable company
Registered: 15 March 2017
Removed: Not supplied
Company number supplied: 10204667
Financial period: 1 January 2025 – 31 December 2025
Latest income: £437,334
Latest expenditure: £501,384
Gift Aid: No
Owns or uses land: No
In administration: No
Insolvent: No
CIO: No

Public contact address: The Foundry, 17 Oval Way, LONDON, SE11 5RR

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

02 Activities

What the charity does

The vision of Just Finance Foundation is a fair financial system serving the community. We aim to increase the supply of affordable finance, build financial capability & access to fair financial services, equip future generations to manage their money and develop fair financial systems in local communities through our work in Liverpool, London, the North East, the Black Country and across England.

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: 23 September 2026
Date Accounts Received: 23 September 2026
Total Gross Income: £437,334
Total Gross Expenditure: £501,384

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: 26 September 2025
Date Accounts Received: 26 September 2025
Total Gross Income: £594,097
Total Gross Expenditure: £526,003

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: 29 October 2024
Date Accounts Received: 29 October 2024
Total Gross Income: £488,587
Total Gross Expenditure: £408,279

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: 13 October 2023
Date Accounts Received: 13 October 2023
Total Gross Income: £347,425
Total Gross Expenditure: £258,811

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: 20 October 2022
Date Accounts Received: 20 October 2022
Total Gross Income: £179,855
Total Gross Expenditure: £239,389

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: 23 September 2026
Total Gross Income: £437,334
Total Gross Expenditure: £501,384
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: No
Count Volunteers: 10

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: 26 September 2025
Total Gross Income: £594,097
Total Gross Expenditure: £526,003
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: No
Count Volunteers: 10

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: 29 October 2024
Total Gross Income: £488,587
Total Gross Expenditure: £408,279
Grant Making Is Main Activity: No
Count Govt Contracts: 0
Count Govt Grants: £2
Income From Government Grants: £147,969
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: 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: 13 October 2023
Total Gross Income: £347,425
Total Gross Expenditure: £258,811
Charity Raises Funds From Public: Yes
Charity Professional Fundraiser: No
Charity Commercial Participator: No
Charity Receives Govt Funding Contracts: No
Charity Receives Govt Funding Grants: Yes
Count Govt Grants: £1
Income From Government Grants: £3,732
Charity Has Trading Subsidiary: No
Does Trustee Receive Any Benefit: No
Trustee Resigned Employment: No
Employees Salary Over 60k: No
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: 20 October 2022
Total Gross Income: £179,855
Total Gross Expenditure: £239,389
Charity Raises Funds From Public: Yes
Charity Professional Fundraiser: No
Charity Commercial Participator: No
Charity Receives Govt Funding Contracts: No
Charity Receives Govt Funding Grants: Yes
Count Govt Grants: £1
Income From Government Grants: £76,675
Charity Has Trading Subsidiary: No
Does Trustee Receive Any Benefit: No
Trustee Resigned Employment: No
Employees Salary Over 60k: No
Count Volunteers: 0

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 January 2024
Fin Period End Date: 31 December 2024
Ar Due Date: 31 October 2025
Ar Received Date: 26 September 2025
Income Donations And Legacies: 563079
Income Other Trading Activities: 0
Income Charitable Activities: 27607
Income Investments: 0
Income Other: 3411
Income Total Income And Endowments: 594097
Income Legacies: 0
Income Endowments: 0
Expenditure Raising Funds: £0
Expenditure Charitable Expenditure: £526,003
Expenditure Other: 0
Expenditure Total: 526003
Expenditure Investment Management: 0
Expenditure Grants Institution: 0
Expenditure Governance: 0
Expenditure Support Costs: 49516
Expenditure Depreciation: 0
Gain Loss Investment: 0
Gain Loss Pension Fund: 0
Gain Loss Revaluation Fixed Investment: 0
Gain Loss Other: 0
Reserves: £227,511
Assets Total Fixed: 0
Assets Own Use: 0
Assets Long Term Investment: 0
Defined Benefit Pension Scheme: 0
Assets Other Assets: £356,096
Assets Total Liabilities: £6,652
Assets Current Investment: 0
Assets Total Assets And Liabilities: £349,444
Creditors One Year Total Current: 6652
Creditors Falling Due After One Year: 0
Assets Cash: £293,158
Funds Endowment: 0
Funds Unrestricted: 227511
Funds Restricted: 121933
Funds Total: 349444
Count Employees: 10
Charity Only Accounts: Yes

06 Official extract

Charity Area Of Operation

Geographic Area Type: Region
Geographic Area Description: Throughout England And Wales
Welsh Ind: No

07 Official extract

Charity Classification

Classification Code: 307
Classification Type: How
Classification Description: Provides Advocacy/advice/information

Classification Code: 207
Classification Type: Who
Classification Description: The General Public/mankind

Classification Code: 201
Classification Type: Who
Classification Description: Children/young People

Classification Code: 306
Classification Type: How
Classification Description: Provides Services

Classification Code: 308
Classification Type: How
Classification Description: Sponsors Or Undertakes Research

Classification Code: 102
Classification Type: What
Classification Description: Education/training

Classification Code: 105
Classification Type: What
Classification Description: The Prevention Or Relief Of Poverty

Classification Code: 113
Classification Type: What
Classification Description: Economic/community Development/employment

08 Official extract

Charity Event History

Charity Name: JUST FINANCE FOUNDATION
Charity Event Order: 1
Event Type: Standard registration
Date Of Event: 2017-03-15T00:00:00

09 Official extract

Charity Governing Document

Governing Document Description: MEMORANDUM AND ARTICLES INCORPORATED 27 MAY 2016AS AMENDED BY SPECIAL RESOLUTION(S) DATED 08 NOV 2023
Charitable Objects: 1) THE PREVENTION AND RELIEF OF POVERTY AND FINANCIAL HARDSHIP BY, BUT NOT LIMITED TO:A) PROVIDING SERVICES, ADVICE AND EDUCATION IN RELATION TO, BUT NOT LIMITED TO, MONEY MANAGEMENT AND BUDGETING ADVICE; ANDB) PROVIDING GRANTS, ITEMS, SUPPORT AND SERVICES TO CHARITIES OR OTHER ORGANISATIONS WORKING IN THE COMMUNITY TO PREVENT OR RELIEVE POVERTY AND FINANCIAL HARDSHIP; AND2) THE ADVANCEMENT OF EDUCATION IN COMMERCIAL AND FINANCIAL EDUCATION IF AND IN SO FAR AS SUCH PURPOSE SHALL BE CHARITABLE.

10 Official extract

Charity Policy

Policy Name: Conflicting interests

Policy Name: Safeguarding vulnerable beneficiaries

Policy Name: Internal charity financial controls policy and procedures

Policy Name: Trustee conflicts of interest policy and procedures

Policy Name: Volunteer management

Policy Name: Financial reserves policy and procedures

Policy Name: Safeguarding policy and procedures

Policy Name: Complaints policy and procedures

Policy Name: Social media policy and procedures

Policy Name: Investing charity funds policy and procedures

Policy Name: Internal risk management policy and procedures

Policy Name: Trustee expenses policy and procedures

Policy Name: Risk management

Policy Name: Serious incident reporting policy and procedures

Policy Name: Paying staff

Policy Name: Bullying and harassment policy and procedures

Policy Name: Complaints handling