CENTRE FOR RESPONSIBLE CREDIT LTD — Charity Commission profile

01 Identity

Registration and reporting

Registration status: Registered
Reporting status: Submission Received
Charity type: Charitable company
Registered: 3 August 2022
Removed: Not supplied
Company number supplied: 12488846
Financial period: 1 April 2024 – 31 March 2025
Latest income: £385,190
Latest expenditure: £369,766
Gift Aid: No
Owns or uses land: No
In administration: No
Insolvent: No
CIO: No

Public contact address: 27 CAMBRIDGE STREET, LEICESTER, LE3 0JQ

Website recorded by the regulator: www.responsible-credit.org.uk (displayed as text)

02 Activities

What the charity does

The charity conducts research into over-indebtedness amongst low to middle income households, evaluates lending practices and other approaches to reduce this, and develops innovative solutions to improve financial support and access to effective debt advice.

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: 18 November 2025
Date Accounts Received: 18 November 2025
Total Gross Income: £385,190
Total Gross Expenditure: £369,766

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: 20 September 2024
Date Accounts Received: 20 September 2024
Total Gross Income: £453,566
Total Gross Expenditure: £340,973

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: 30 November 2023
Date Accounts Received: 30 November 2023
Total Gross Income: £464,894
Total Gross Expenditure: £464,927

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: 18 November 2025
Total Gross Income: £385,190
Total Gross Expenditure: £369,766
Grant Making Is Main Activity: No
Count Govt Contracts: 1
Count Govt Grants: £0
Income From Government Contracts: 99247
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: 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: 20 September 2024
Total Gross Income: £453,566
Total Gross Expenditure: £340,973
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: 30 November 2023
Total Gross Income: £464,894
Total Gross Expenditure: £464,927
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

05 Official extract

Charity Area Of Operation

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

06 Official extract

Charity Classification

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

07 Official extract

Charity Event History

Charity Name: CENTRE FOR RESPONSIBLE CREDIT LTD
Charity Event Order: 1
Event Type: Standard registration
Date Of Event: 2022-08-03T00:00:00

08 Official extract

Charity Governing Document

Governing Document Description: MEMORANDUM AND ARTICLES INCORPORATED 04 AUG 2020AS AMENDED BY SPECIAL RESOLUTION REGISTERED AT COMPANIES HOUSE ON 01 AUG 2022
Charitable Objects: 4. THE CHARITY’S OBJECTS (‘OBJECTS’) ARE SPECIFICALLY RESTRICTED TO THE FOLLOWING:FOR THE PUBLIC BENEFIT1. TO PREVENT AND TO RELIEVE POVERTY AND TO RELIEVE FINANCIAL HARDSHIP IN THE UK, PARTICULARLY FOR PERSONS IN LOW-INCOME HOUSEHOLDS AND THOSE IN DEBT.2. TO ADVANCE THE EDUCATION OF THE PUBLIC IN THE REGULATION, OPERATION, AND IMPACT OF CREDIT USE AND THE MECHANISMS PROVIDING FOR THE DEBT RELIEF, FINANCIAL EDUCATION, AND IMPROVED FINANCIAL WELL-BEING OF HOUSEHOLDS.

09 Official extract

Charity Policy

Policy Name: Serious incident reporting policy and procedures

Policy Name: Financial reserves policy and procedures

Policy Name: Internal charity financial controls policy and procedures

Policy Name: Complaints handling

Policy Name: Trustee conflicts of interest policy and procedures

Policy Name: Campaigns and political activity policy and procedures

Policy Name: Social media policy and procedures

Policy Name: Safeguarding policy and procedures

Policy Name: Conflicting interests

Policy Name: Safeguarding vulnerable beneficiaries

Policy Name: Bullying and harassment policy and procedures

Policy Name: Internal risk management policy and procedures

Policy Name: Risk management

Policy Name: Paying staff