BritDB

CCEW Charity Commission profile

NAVIGATE

Registered charity 1182020 · organisation 5134120

01 Identity

Registration and reporting

Registration status
Registered
Reporting status
Submission Received
Charity type
CIO
Registered
13 February 2019
Removed
Not supplied
Financial period
1 April 2024 – 31 March 2025
Latest income
£797,613
Latest expenditure
£768,458
Gift Aid
Yes
Owns or uses land
No
In administration
No
Insolvent
No
CIO
Yes

Public contact address: Navigate CIO, 4 King Square, BRIDGWATER, Somerset, TA6 3YF

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

02 Activities

What the charity does

Navigate CIO provides specialist money and debt advice and financial education services to individuals and families facing financial hardship and exclusion by reason of youth, age, ill health, disability, financial hardship or another disadvantage in Somerset and Devon. Our services are predominately delivered through home visits but outreach and telephone appointments are also available.

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
30 May 2025
Date Accounts Received
30 May 2025
Total Gross Income
£797,613
Total Gross Expenditure
£768,458
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
13 September 2024
Date Accounts Received
13 September 2024
Total Gross Income
£814,894
Total Gross Expenditure
£754,749
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
26 October 2023
Date Accounts Received
26 October 2023
Total Gross Income
£556,544
Total Gross Expenditure
£580,915
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
7 October 2022
Date Accounts Received
7 October 2022
Total Gross Income
£637,038
Total Gross Expenditure
£634,122
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
12 August 2021
Date Accounts Received
12 August 2021
Total Gross Income
£594,596
Total Gross Expenditure
£538,477

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
30 May 2025
Total Gross Income
£797,613
Total Gross Expenditure
£768,458
Grant Making Is Main Activity
No
Count Govt Contracts
2
Count Govt Grants
£0
Income From Government Contracts
44752
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
1
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
13 September 2024
Total Gross Income
£814,894
Total Gross Expenditure
£754,749
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
0
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
26 October 2023
Total Gross Income
£556,544
Total Gross Expenditure
£580,915
Grant Making Is Main Activity
No
Count Govt Contracts
2
Count Govt Grants
£0
Income From Government Contracts
36803
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
0
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
7 October 2022
Total Gross Income
£637,038
Total Gross Expenditure
£634,122
Charity Raises Funds From Public
No
Charity Receives Govt Funding Contracts
Yes
Count Govt Contracts
2
Charity Receives Govt Funding Grants
No
Income From Government Contracts
99930
Charity Has Trading Subsidiary
No
Does Trustee Receive Any Benefit
No
Trustee Resigned Employment
No
Employees Salary Over 60k
No
Count Volunteers
1
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
12 August 2021
Total Gross Income
£594,596
Total Gross Expenditure
£538,477
Charity Raises Funds From Public
No
Charity Receives Govt Funding Contracts
Yes
Count Govt Contracts
2
Charity Receives Govt Funding Grants
No
Income From Government Contracts
50816
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
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
30 May 2025
Income Donations And Legacies
796150
Income Other Trading Activities
0
Income Charitable Activities
0
Income Investments
1463
Income Other
0
Income Total Income And Endowments
797613
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£9,581
Expenditure Charitable Expenditure
£758,877
Expenditure Other
0
Expenditure Total
768458
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
143447
Expenditure Support Costs
143447
Expenditure Depreciation
747
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£153,019
Assets Total Fixed
13113
Assets Own Use
13113
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£203,035
Assets Total Liabilities
£63,129
Assets Current Investment
0
Assets Total Assets And Liabilities
£153,019
Creditors One Year Total Current
63129
Creditors Falling Due After One Year
0
Assets Cash
£150,923
Funds Endowment
0
Funds Unrestricted
153019
Funds Restricted
0
Funds Total
153019
Count Employees
18
Charity Only Accounts
Yes
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
13 September 2024
Income Donations And Legacies
25000
Income Other Trading Activities
0
Income Charitable Activities
778443
Income Investments
0
Income Other
11451
Income Total Income And Endowments
814894
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£0
Expenditure Charitable Expenditure
£754,749
Expenditure Other
0
Expenditure Total
754749
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
0
Expenditure Support Costs
80656
Expenditure Depreciation
0
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£121,753
Assets Total Fixed
0
Assets Own Use
0
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£187,127
Assets Total Liabilities
£63,263
Assets Current Investment
0
Assets Total Assets And Liabilities
£123,864
Creditors One Year Total Current
63263
Creditors Falling Due After One Year
0
Assets Cash
£162,896
Funds Endowment
0
Funds Unrestricted
121753
Funds Restricted
2111
Funds Total
123864
Count Employees
18
Charity Only Accounts
Yes
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
26 October 2023
Income Donations And Legacies
1000
Income Other Trading Activities
0
Income Charitable Activities
546061
Income Investments
0
Income Other
9483
Income Total Income And Endowments
556544
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£0
Expenditure Charitable Expenditure
£571,151
Expenditure Other
9764
Expenditure Total
580915
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
44258
Expenditure Support Costs
9764
Expenditure Depreciation
0
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£19,793
Assets Total Fixed
0
Assets Own Use
0
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£143,609
Assets Total Liabilities
£79,890
Assets Current Investment
0
Assets Total Assets And Liabilities
£63,719
Creditors One Year Total Current
79890
Creditors Falling Due After One Year
0
Assets Cash
£111,472
Funds Endowment
0
Funds Unrestricted
43926
Funds Restricted
19793
Funds Total
63719
Count Employees
18
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
7 October 2022
Income Donations And Legacies
0
Income Other Trading Activities
0
Income Charitable Activities
616881
Income Investments
0
Income Other
20157
Income Total Income And Endowments
637038
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£0
Expenditure Charitable Expenditure
£626,051
Expenditure Other
8071
Expenditure Total
634122
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
31128
Expenditure Support Costs
5703
Expenditure Depreciation
736
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£41,521
Assets Total Fixed
0
Assets Own Use
0
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£151,878
Assets Total Liabilities
£63,788
Assets Current Investment
0
Assets Total Assets And Liabilities
£88,090
Creditors One Year Total Current
63788
Creditors Falling Due After One Year
0
Assets Cash
£143,775
Funds Endowment
0
Funds Unrestricted
41521
Funds Restricted
46569
Funds Total
88090
Count Employees
13
Charity Only Accounts
Yes
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
12 August 2021
Income Donations And Legacies
0
Income Other Trading Activities
0
Income Charitable Activities
594596
Income Investments
0
Income Other
0
Income Total Income And Endowments
594596
Income Legacies
0
Income Endowments
0
Expenditure Raising Funds
£5,219
Expenditure Charitable Expenditure
£533,258
Expenditure Other
0
Expenditure Total
538477
Expenditure Investment Management
0
Expenditure Grants Institution
0
Expenditure Governance
26791
Expenditure Support Costs
8346
Expenditure Depreciation
1104
Gain Loss Investment
0
Gain Loss Pension Fund
0
Gain Loss Revaluation Fixed Investment
0
Gain Loss Other
0
Reserves
£38,406
Assets Total Fixed
2391
Assets Own Use
2391
Assets Long Term Investment
0
Defined Benefit Pension Scheme
0
Assets Other Assets
£149,272
Assets Total Liabilities
£66,489
Assets Current Investment
0
Assets Total Assets And Liabilities
£85,174
Creditors One Year Total Current
66489
Creditors Falling Due After One Year
0
Assets Cash
£149,272
Funds Endowment
0
Funds Unrestricted
38406
Funds Restricted
46768
Funds Total
85174
Count Employees
12
Charity Only Accounts
Yes

06 Official extract

Charity Area Of Operation

Geographic Area Type
Local Authority
Geographic Area Description
Somerset
Welsh Ind
No
Geographic Area Type
Local Authority
Geographic Area Description
Devon
Welsh Ind
No

07 Official extract

Charity Classification

Classification Code
102
Classification Type
What
Classification Description
Education/training
Classification Code
307
Classification Type
How
Classification Description
Provides Advocacy/advice/information
Classification Code
203
Classification Type
Who
Classification Description
People With Disabilities
Classification Code
306
Classification Type
How
Classification Description
Provides Services
Classification Code
207
Classification Type
Who
Classification Description
The General Public/mankind
Classification Code
104
Classification Type
What
Classification Description
Disability
Classification Code
202
Classification Type
Who
Classification Description
Elderly/old People
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

08 Official extract

Charity Event History

Charity Name
NAVIGATE
Charity Event Order
1
Event Type
CIO registration
Date Of Event
2019-02-13T00:00:00

09 Official extract

Charity Governing Document

Governing Document Description
CIO - FOUNDATION Registered 13 Feb 2019
Charitable Objects
(1) THE RELIEF OF POVERTY OR FINANCIAL HARDSHIP, IN PARTICULAR BUT NOT EXCLUSIVELY BY PROVIDING A RANGE OF IMPARTIAL MONEY ADVICE AND SUPPORT SERVICES TO PEOPLE IN FINANCIAL HARDSHIP, INCLUDING THOSE WITH DEBT PROBLEMS AND THOSE ENCOUNTERING FUEL POVERTY OR FINANCIAL EXCLUSION, TO HELP THEM ACHIEVE GREATER FINANCIAL RESILIENCE AND CAPABILITY;(2) TO ADVANCE THE EDUCATION OF THE PUBLIC IN ALL MATTERS RELATING TO THE MANAGEMENT OF PERSONAL FINANCES, WITH PARTICULAR EMPHASIS ON ISSUES RELATING TO FINANCIAL EXCLUSION AND BUILDING INDIVIDUAL FINANCIAL RESILIENCE AND CAPABILITY; AND(3) TO PROMOTE SOCIAL INCLUSION FOR THE PUBLIC BENEFIT BY PREVENTING PEOPLE FROM BECOMING SOCIALLY EXCLUDED, RELIEVING THE NEEDS OF THOSE PEOPLE WHO ARE SOCIALLY EXCLUDED AND ASSISTING THEM TO INTEGRATE INTO SOCIETY.FOR THE PURPOSE OF THIS CLAUSE 'SOCIALLY EXCLUDED' MEANS BEING EXCLUDED FROM SOCIETY, OR PARTS OF SOCIETY, AS A RESULT OF ONE OF MORE OF THE FOLLOWING FACTORS: UNEMPLOYMENT; FINANCIAL HARDSHIP; YOUTH OR OLD AGE; ILL HEALTH (PHYSICAL OR MENTAL); SUBSTANCE ABUSE OR DEPENDENCY INCLUDING ALCOHOL AND DRUGS; DISCRIMINATION ON THE GROUNDS OF SEX, RACE, DISABILITY, ETHNIC ORIGIN, RELIGION, BELIEF, CREED, SEXUAL ORIENTATION OR GENDER RE-ASSIGNMENT; POOR EDUCATIONAL OR SKILLS ATTAINMENT; RELATIONSHIP AND FAMILY BREAKDOWN; POOR HOUSING (THAT IS HOUSING THAT DOES NOT MEET BASIC HABITABLE STANDARDS; CRIME (EITHER AS A VICTIM OF CRIME OR AS AN OFFENDER REHABILITATING INTO SOCIETY).

10 Official extract

Charity Other Regulators

Regulator Order
1
Regulator Name
Financial Conduct Authority

11 Official extract

Charity Policy

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