TXT In plain English
Company description
FOUNDATION FOR CREDIT COUNSELLING is a UK company whose Companies House status is “Active” and whose registered company type is “PRI/LBG/NSC (Private, Limited by guarantee, no share capital, use of 'Limited' exemption)”. Incorporated on 19 October 1992; registered for 33 years; registered office reported in LEEDS, ENGLAND. Its primary declared activity is 64999 · Financial intermediation not elsewhere classified.
This BritDB profile also contains linked public records: 1 PSC record, 5 trade marks, 1 charity record. This description is assembled from public data, is not a reliability assessment, and should be checked against the cited sources before a legally significant decision.
Web facts are never added from a name match alone. Internet enrichment requires the exact Companies House ID in Wikidata, and ambiguous results are excluded.
01 Company overview
Identity and registration
- Official name
- FOUNDATION FOR CREDIT COUNSELLING
- Company number
- 02757055
- Company type
- PRI/LBG/NSC (Private, Limited by guarantee, no share capital, use of 'Limited' exemption)
- Status
- Active
- Country of origin
- United Kingdom
- Dissolution date
- Not supplied
- Accounts category
- GROUP
- Mortgage charges
- 0 total · 0 outstanding · 0 satisfied
- Limited partnership members
- 0 general · 0 limited
A registered office is not necessarily a trading location. The address is reproduced from the Companies House bulk record and should be interpreted in that legal context.
02 Filing dates
Accounts and statements
Last accounts made up to
31 December 2025Next accounts due
30 September 2027Last statement made up to
12 October 2025Next statement due
26 October 2026BritDB does not infer overdue status when the source does not state it.
03 Workforce reporting
Gender pay gap
- Median bonus gap
- 0.0%
- Mean bonus gap
- -29.5%
- Women receiving bonus
- 1.9%
- Men receiving bonus
- 1.6%
- Women in top quartile
- 49.0%
- Women in upper middle quartile
- 59.0%
- Women in lower middle quartile
- 58.0%
- Women in lower quartile
- 65.0%
Earlier reporting years (8)
- 1000 to 49993.8% median hourly gap
- 1000 to 49993.3% median hourly gap
- 1000 to 49991.7% median hourly gap
- 1000 to 49990.0% median hourly gap
- 1000 to 49990.2% median hourly gap
- 1000 to 49990.7% median hourly gap
- 1000 to 49990.6% median hourly gap
- 1000 to 49990.7% median hourly gap
Positive gaps mean men were paid more; negative gaps mean women were paid more. These figures are employer-reported and describe the workforce distribution, not equal pay for the same job. The company link uses the exact Companies House number supplied by the service.
04 Supplier payments
Payment practices and performance
- Reporting period
- 1 January 2026 – 30 June 2026
- Filed
- 31 July 2026
- Shortest standard term
- 7 days
- Longest standard term
- 60 days
- E-invoicing offered
- No
- Supply-chain finance
- Not offered
- Payment codes
- No
- Construction retentions
- No qualifying construction contracts
Complete reported payment fields
- Policy regime
- Regime-3
- Financial period started
- 1 January 2026
- Qualifying contracts
- Yes
- Payments made
- Yes
- Invoice value paid within 30 days
- £4,223,663
- Invoice value paid in 31–60 days
- £5,699,186
- Invoice value paid after 60 days
- £171,472
- Invoice value paid outside agreed terms
- £5,863,666
- Invoices paid in 31–60 days
- 59.0%
- Invoices unpaid due to dispute
- 0.0%
- Maximum contractual payment period
- 60 days
- Supplier-list charging policy
- No
- Supplier-list charges made
- No
Reported terms and dispute process
- Standard payment terms
The most frequently used payment term for qualifying contracts is 30 days from the date of invoice. However, a range of payment terms is applied depending on the nature of the contract, typically varying between 7 and 60 days. Overall, 30 days remains the standard benchmark across the majority of qualifying contracts.
- Dispute resolution process
The Foundation for Credit Counselling is committed to dealing with its suppliers in a fair, honest and transparent manner, whilst seeking best value for the Charity. If we dispute any item on an invoice, we aim to (a) promptly inform the supplier of the disputed item and (b) work with the supplier to (1) explain why the relevant item has been disputed; and (2) reach a mutually acceptable outcome. We operate a no PO no pay on invoices and when an invoice is received with no PO suppliers are encouraged to contact the individual who placed the order for the goods and services or liaise with procurement as a first point of contact. The Charity provides an accounts payable team email address to deal with any queries in relation to payment of invoices.
Earlier payment reports (11 shown)
- 33.0 average days to pay67.0% outside terms
- 32.0 average days to pay61.0% outside terms
- 39.0 average days to pay68.0% outside terms
- 33.0 average days to pay50.0% outside terms
- 27.0 average days to pay69.0% outside terms
- 35.0 average days to pay67.0% outside terms
- 33.0 average days to pay51.0% outside terms
- 33.0 average days to pay61.0% outside terms
- 31.0 average days to pay47.0% outside terms
- 34.0 average days to pay49.0% outside terms
- 33.0 average days to pay43.0% outside terms
This is a company-submitted statutory disclosure, not a credit rating. BritDB preserves the reporting period and links the report only through the Companies House number supplied by the official service. Percentages describe payments made during that period and may change in later reports.
05 Supply-chain transparency
Modern slavery statement
- Organisation
- FOUNDATION FOR CREDIT COUNSELLING
- Group submission
- Yes
- Statement period
- 1 January 2025 – 31 December 2025
- Approved
- 26 February 2026
- Sectors
- Charitable / not-for-profit activities Financial, insurance and real estate activities
Organisation structure
Covered in the statement
Policies
Covered in the statement
Risk assessment
Covered in the statement
Due diligence
Covered in the statement
Training
Covered in the statement
Goals and KPIs
Not reported as covered
Full statement information supplied to the registry
- Reported turnover band
- £60 million to £100 million
- Years producing statements
- More than 5 years
- ILO indicators included
- Not answered
- Registry record updated
- 24 March 2026
A registry entry records what the organisation declared in its statement. It is not an independent audit. Group statements can cover several companies; BritDB preserves each exact source-supplied company-number link and excludes approver names and email addresses.
TM UK trade marks
Exact owner-name matches
StepChange
Owner Foundation for Credit Counselling · classes 16,36,41
- Filed / designated
- 1 June 2012
- Valid until / renewal due
- 1 June 2022
STEP CHANGE
Owner Foundation for Credit Counselling · classes 36
- Filed / designated
- 2 March 2012
- Valid until / renewal due
- 2 March 2022
STEP CHANGE
Owner Foundation for Credit Counselling · classes 16,41
- Filed / designated
- 2 March 2012
- Valid until / renewal due
- 2 March 2022
DEBT REMEDY
Owner Foundation for Credit Counselling · classes 16,36,41
- Filed / designated
- 26 January 2012
- Valid until / renewal due
- 26 January 2022
CCCS
Owner Foundation for Credit Counselling · classes 16,36,41
- Filed / designated
- 22 April 2008
- Valid until / renewal due
- 22 April 2018
This is an exact normalised company-name match, not a registrar-confirmed ownership link. Another legal entity can have the same or a very similar name. UKIPO data is a historical 2018 snapshot; verify the owner and current status before relying on it.
06 Ownership and control
People with significant control
No individual or entity with signficant control
- Notified
- 18 October 2016
PSC records are company-filed public-register information. When the exact same displayed individual name occurs at multiple companies, BritDB offers a non-indexed cross-reference page. It is a name match only, not proof that the records describe the same person. Service addresses and partial dates of birth are deliberately omitted.
07 Charity register
Charity Commission links
FOUNDATION FOR CREDIT COUNSELLING
- Charity type
- Charitable company
- Registered
- 28 January 1993
- Latest income
- £64,519,000
- Latest expenditure
- £61,850,000
- Provides Services
- The General Public/mankind
- The Prevention Or Relief Of Poverty
Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions.
Source details and official record →This company-level check covers the Charity Commission for England and Wales. Links are accepted only when the official extract supplies this exact company registration number. Scottish charities now have separate OSCR profiles, but OSCR’s bulk fields do not provide a Companies House number, so BritDB does not infer a company link.
08 Northern Ireland charity register
CCNI exact company links
No unambiguous company-number link found
The CCNI source number did not resolve uniquely to this Companies House record. BritDB did not use a name or address match.
CCNI publishes company numbers without a jurisdiction prefix. BritDB links only when the plausible padded UK and NI candidates resolve to exactly one Companies House company.
09 Sanctions screening
UK Sanctions List
No exact business-registration-number link found
The imported UK Sanctions List did not supply this Companies House number as a UK-linked business identifier. BritDB did not attempt a name-only match.
No exact link is not sanctions clearance. UK restrictions can apply through ownership or control even where an entity is not separately named. Always use the current official list and obtain appropriate advice for a legally significant decision.
10 Public procurement
Find a Tender links
No exact GB-COH link in this snapshot
Find a Tender did not explicitly identify this Companies House number in a procurement party. BritDB did not attempt a name-only match.
These links use only the GB-COH identifier supplied in the procurement record. A company may have other public-sector work that is absent, older, below publication thresholds or published without a Companies House identifier.
11 Environmental register
Environment Agency waste registrations
No exact company-number registration linked
The licensed Environment Agency subset did not contain this exact Companies House number. BritDB did not attempt a name-only match.
This is a privacy-reduced, exact-company subset. The full official register also includes sole traders and applicants without a matching Companies House number. Check the current Environment Agency register before relying on registration status.
12 Nature of business
Standard Industrial Classification
13 Connected public record
Checks beyond the company register
Charity Commission
1 exact company-number link.
Northern Ireland charities
0 unambiguous company-number links.
Public contracts
0 procurement processes linked by exact GB-COH identifier.
Waste register
0 exact company-number registrations.
Corporate notices
The Gazette is not yet connected.
UK Sanctions List
No exact business-registration-number link in this report.
A checked source with no exact link is not a clean bill of health. Unchecked sources remain unknown, while sanctions may also apply through ownership or control of a listed person or entity.
14 Record timeline
Dates in the bulk record
- Accounts
Latest accounts made up to this date
- Confirmation statement
Latest confirmation statement made up to this date
- Incorporation
Company incorporated
15 Provenance
Sources for this profile
Identity, address, status, dates, SIC, previous names and mortgage totals.
Annual employer reports linked by the exact source-supplied Companies House number.
Statutory supplier-payment reports linked by the exact source-supplied Companies House number.
Annual statement summaries linked by exact source company number.
Current and ceased significant-control records joined by exact company number.
Daily England and Wales extract matched only by the official company registration number.
Daily CCNI export with company links only where the source number resolves unambiguously.
Complete FCDO list checked by exact UK-linked business registration number.
Procurement parties checked only through exact GB-COH identifiers.
Licensed subset linked only by exact Companies House number.
Financial regulation and licences.
Companies House, Charity Commission, OSCR and UK Sanctions List information is public-register data. BritDB reproduces and organises it with source-specific limits; official external links are kept on the dedicated source pages.