SERVICE TO THE AGED

Registered charity 1001916 · accounts filings on the Charity Commission register · also known as SAGE

The charity provides nursing and dementia care for the Jewish community in a residential setting for the aged and infirm and frail.

Objects

(1)THE RELIEF OF THE AGED POOR OF THE JEWISH FAITH IN PARTICULAR BY THE PROVISION OF RESIDENTIAL ACCOMMODATION AND NURSING HOME ACCOMMODATION FOR AGED POOR JEWISH PEOPLE.(2)FOR SUCH OTHER PURPOSES AS ARE RECOGNISED BY ENGLISH LAW AS CHARITABLE

Area of benefit: NOT DEFINED

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: Education/training · The Advancement Of Health Or Saving Of Lives · Accommodation/housing · Religious Activities · Economic/community Development/employment · Get email alerts

Registered contact address: Barnet, London, England (from the postcode on the register)

Latest income

£5.1m

Latest spending

£5.3m

Registered

1991

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net expenditure of £182,523 for the year ended 31 March 2025, resulting in a decrease in total funds. Per the trustees' report, unrestricted reserves stood at £448,935, while restricted reserves were £3.1 million, with the charity noting it maintains reserves to cover contingencies and ensure continued activity levels.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Reserves policy: maintain Reserves in order to ensure that it is in a position to continue its activities at a level consistent with those which have been maintained in recent years and to cover contingencies (reserves figure: £449k)

“The Charity has of necessity to maintain Reserves in order to ensure that it is in a position to continue its activities at a level consistent with those which have been maintained in recent years and to cover contingencies.” — page 5

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Loan from Friends of SAGE Limited

“Included in other debtors (Note 16) is an amount of £56,986 due from Friends of SAGE Limited, a Trustee (Director) of which is Mr S.J Goldberg, who is a Trustee of this Charity. The loan is interest free and repayable on demand.” — page 24

Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Cohen Arnold. Discloses 3 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Care Quality Commission. This is the charity’s own declaration; it is not a rating and has not been verified by the Commission or by this site.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

Complaints handling
Complaints policy and procedures
Financial reserves policy and procedures
Internal charity financial controls policy and procedures
Internal risk management policy and procedures
Investing charity funds policy and procedures
Investment
Paying staff
Risk management
Safeguarding policy and procedures
Safeguarding vulnerable beneficiaries
Serious incident reporting policy and procedures
Trustee conflicts of interest policy and procedures
Trustee expenses policy and procedures
Volunteer management

From the charity’s annual return (Part A, self-declared)

Answers and figures the charity gave in Part A of its annual return to the Charity Commission. They are self-declared: not verified by the Commission or by this site. Only positive answers and figures are listed; items not listed are simply not shown.

Self-declared on the annual return for the financial year ending 31/03/2025

Volunteers: 35
Employees paid over £60,000: 4 (£60,001–£70,000: 3; £80,001–£90,000: 1)

Self-declared on the annual return for the financial year ending 31/03/2024

Employees paid over £60,000: 2 (£80,001–£90,000: 1; £100,001–£110,000: 1)

Self-declared on the annual return for the financial year ending 31/03/2023

Volunteers: 7
Employees paid over £60,000: 3 (£60,001–£70,000: 2; £70,001–£80,000: 1)

Source: this charity’s annual returns on the Charity Commission register.

In the news

Recent coverage mentioning this charity by name (automated match; headlines belong to their publishers).

Former premier supported service to the aged royalgazette.com · 09/06/2026

Corporate structure

Registered company of the charity Companies House 02580196

Company officers (Companies House)

Current officers of the charity’s own company per the Companies House register, cross-checked against the Charity Commission trustee list by name. A director not on the trustee list is usually a timing or naming difference between the two registers — check both records before drawing conclusions.

GANZ, Harold — director, appointed 08/09/2023on trustee list
GOLDBERG, Stephen Jonathan — director, appointed 16/04/2015on trustee list
FRESHWATER, Solomon Israel — director, appointed 11/10/1999on trustee list
FRESHWATER, Benzion Schalom Eliezer — directoron trustee list
BALE, Martin David Eldridge — secretary, appointed 30/09/2020
SOUTHGATE, James Stephen — secretary, appointed 30/09/2020

Official officers record.

Public-sector contracts awarded

From the official Contracts Finder and Find a Tender notices (supplier matched by exact registered name). Contract income is distinct from grants.

Buyer	Contract	Awarded	Value
NHS West and North London Integrated Care Board	WNL ICB - Service to the Aged (SAGE)	—	—

Property (HM Land Registry)

2 registered titles in England and Wales held by the charity’s company or corporate body (2 freehold). All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

CQC provider record: Service To The Aged — Registered, 1 registered location, 2 regulated activities, last inspected 21/07/2021.charity number confirmed by CQC CQC record

Structured financials (annual return, FY ending 31/03/2025)

Total income

£5.1m

Total spending

£5.3m

Cost of raising funds

£987

Reserves (reported)

£3.6m

Employees

Reported reserves equal ~8.1 months of spending — above the median for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Charitable activities (99% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.0% of total income — below the median for charities its size (5.3%) (benchmarks).

Care Quality Commission ratings

CQC inspection ratings for services run by a provider matching this charity’s name (matched by name; verify provider identity on CQC’s site).

Service to the Aged: Good (28/08/2024) · CQC record

Trustees · trustee networks

BENZION SCHALOM ELIEZER FRESHWATER · trustee of 7 other charities
Harold Ganz
SOLOMON ISRAEL FRESHWATER · trustee of 5 other charities
STEPHEN JONATHAN GOLDBERG · trustee of 5 other charities

Trustee list from the Charity Commission register (current, not historical).

Operates in: Throughout London

Income and spending

Financial year end	Income	Spending
31/03/2025	£5.1m	£5.3m
31/03/2024	£4.6m	£5.0m
31/03/2023	£3.8m	£4.3m
31/03/2022	£3.2m	£3.2m
31/03/2021	£3.2m	£3.1m

Common questions

Is SERVICE TO THE AGED financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a net expenditure of £182,523 for the year ended 31 March 2025, resulting in a decrease in total funds. Per the trustees' report, unrestricted reserves stood at £448,935, while restricted reserves were £3.1 million, with the charity noting it maintains reserves to cover contingencies and ensure continued activity levels. Its FY2025 accounts were audited by Cohen Arnold.

Who funds SERVICE TO THE AGED?

Funders whose own accounts filings name SERVICE TO THE AGED as a grant recipient include DAVID PEARLMAN CHARITABLE FOUNDATION.

Known funders

Grants to this charity found in funders’ own accounts filings.

Funder	Year	Amount
DAVID PEARLMAN CHARITABLE FOUNDATION	FY2025	£15k
DAVID PEARLMAN CHARITABLE FOUNDATION	FY2023	£15k
DAVID PEARLMAN CHARITABLE FOUNDATION	FY2024	£14k
DAVID PEARLMAN CHARITABLE FOUNDATION	FY2022	£12k

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

Funder	Similar charities funded	Amount to them
THE MICHAEL AND ANNA WIX CHARITABLE TRUST	3	£600
THE MAURICE WOHL CHARITABLE FOUNDATION	2	£3.1m
BERNARD LEWIS FAMILY CHARITABLE TRUST	2	£385k
THE FRANCIS WINHAM FOUNDATION	2	£87k
SHORESH CHARITABLE TRUST (DR RUTH BORCHARD GIFT)	2	£61k
THE LAUFFER FAMILY CHARITABLE TRUST	2	£31k
The Gerald and Gail Ronson Family Foundation	1	£2.0m
THE CHARLES WOLFSON CHARITABLE TRUST	1	£1.0m

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with PENCARE.

PENCARE income £129k
DEMENTIA CONCERN income £1.0m
THE JEWISH DEAF ASSOCIATION income £1.1m
JAH-JIREH CHARITY HOMES income £7.5m
JEWISH CARE income £81.8m
CHABAD COMMUNITY CARE income £64k

Side by side with its peers

Charity	Income	Top pay band	Staff >£60k	Reserves vs policy	Fundraising cost	Going concern
SERVICE TO THE AGED	£5.1m	—	—	unclear	—	no doubt
PENCARE FY2025	£129k	—	0	unclear	—	no doubt
DEMENTIA CONCERN FY2025	£1.0m	more than £60,000	1	below	—	no doubt
THE JEWISH DEAF ASSOCIATION FY2025	£1.1m	£80,001 - £90,000	1	above	—	no doubt
JAH-JIREH CHARITY HOMES FY2025	£7.5m	—	0	unclear	—	no doubt
JEWISH CARE FY2025	£81.8m	£220,001 - £230,000	—	above	14.0%	no doubt

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.