ST JOSEPH'S COLLEGE LIMITED

Registered charity 1051688 · accounts filings on the Charity Commission register · also known as ST JOSEPH'S COLLEGE, ST. JOSEPH'S COLLEGE WITH THE SCHOOL OF JESUS AND MARY EDUCATIONAL TRUST LIMITED

St Joseph's College is a co-educational independent school for pupils from 3 to 18 years old. At St Joseph's, we aim to provide the best all-round education within an inclusive Christian community meeting the individual needs of each and every child's heart, mind, body and spirit, nurturing them to be their best in all their academic and extra-curricular activities

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Latest income
£10.9m
Latest spending
£11.5m
Registered
1996
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the College reported a net deficit of £558,107 for the year ended 31 July 2025, resulting in a decrease in total unrestricted funds. The College has net negative free reserves of £1,416,136, a position attributed to campus improvements financed by borrowings. Despite breaching bank loan financial covenants, the Board maintains a going concern basis based on renewed loan facilities and adequate resources.

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

What the accounts disclose

Highest-paid employee band: £150,001 - £210,000 — above the median for charities its size (£130k)
“In the band £150,000 to £210,000 1 1” — page 41
Per its FY2025 accounts as filed with the Charity Commission.
Largest income source: School fees (88% of income)
“School fees 9,618,975 10,216,287” — page 36
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: three months of expenditure (held: £4.1m)
“The Governors have determined that the appropriate level of free unrestricted reserves should provide sufficient working capital to provide a cushion to deal with unexpected emergencies. This will be no less than 3 months of expenditure, which currently equates to £2,828,359.” — page 19
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: The College purchased professional services from organizations controlled by or having significant interest with Governors.
“During the year the College purchased professional services from organisations controlled by individual Governors, or in which Governors have a significant interest, amounting to £96,393 (2024 -Nil). At the year end, a balance of £558 (2024 - ENil) was due to these organisations.” — page 50
“4 (2024 - 3) of the Governors are parents or guardians of pupils attending the College. 2 (2024 - 1) of these pupils have received academic scholarships totalling £1,177 in respect of fees (2024 - £2,926).” — page 50
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Scholarships were awarded to pupils who are children of Governors.
“During the year the College purchased professional services from organisations controlled by individual Governors, or in which Governors have a significant interest, amounting to £96,393 (2024 -Nil). At the year end, a balance of £558 (2024 - ENil) was due to these organisations.” — page 50
“4 (2024 - 3) of the Governors are parents or guardians of pupils attending the College. 2 (2024 - 1) of these pupils have received academic scholarships totalling £1,177 in respect of fees (2024 - £2,926).” — page 50
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Staff fee concessions were provided to pupils who are children of Senior Leadership Team members.
“During the year the College purchased professional services from organisations controlled by individual Governors, or in which Governors have a significant interest, amounting to £96,393 (2024 -Nil). At the year end, a balance of £558 (2024 - ENil) was due to these organisations.” — page 50
“4 (2024 - 3) of the Governors are parents or guardians of pupils attending the College. 2 (2024 - 1) of these pupils have received academic scholarships totalling £1,177 in respect of fees (2024 - £2,926).” — page 50
Per its FY2025 accounts as filed with the Charity Commission.
Governance: The auditor's report includes an 'Emphasis of matter' regarding the breach of financial covenants on the bank loan, stating the bank reserves rights to demand repayment, though it has not exercised this right. This is a serious regulatory/financial compliance matter disclosed in the audit report.
“As these covenants have not been met as at 31 July 2025, the bank reserves its rights and remedies under the facility agreement, including the right to make demand for repayment of the loan at any time.” — page 22
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Sumer Auditco Limited. Discloses 5 of 6 completeness components.

Inspection and regulatory ratings

Matched to this charity by name; verify provider identity on the regulator’s site.

Leadership, per the charity’s website

Listed on the charity’s own website when we last crawled it; roles may have changed. Pay-band disclosures above are anonymous statutory disclosures and are not attributed to any named individual.

Funders the charity credits

Named as funders/supporters on the charity’s own website (the charity’s claim, distinct from accounts-verified grants).

Property (HM Land Registry)

1 registered title in England and Wales held by the charity’s company or corporate body (1 freehold); recorded price paid £3.3m. All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Public profiles (found on the charity’s own website): facebook · instagram

Structured financials (annual return, FY ending 31/07/2025)

Total income
£10.9m
Total spending
£11.5m
Reserves (reported)
£4.1m
Employees
175

Reported reserves equal ~4.3 months of spending — below the median for charities its size (median 4.6 months; benchmarks).

Per its annual return, largest income source: Charitable activities (98% 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 (3.8%) (benchmarks).

Trustees · trustee networks

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

Operates in: Suffolk

Income and spending

Financial year endIncomeSpending
31/07/2025£10.9m£11.5m
31/07/2024£11.4m£11.2m
31/07/2023£10.2m£9.7m
31/07/2022£9.1m£8.8m
31/07/2021£8.4m£8.4m

Common questions

Is ST JOSEPH'S COLLEGE LIMITED financially healthy?

Per its FY2025 accounts: The accounts state that the College reported a net deficit of £558,107 for the year ended 31 July 2025, resulting in a decrease in total unrestricted funds. The College has net negative free reserves of £1,416,136, a position attributed to campus improvements financed by borrowings. Despite breaching bank loan financial covenants, the Board maintains a going concern basis based on renewed loan facilities and adequate resources. Its FY2025 accounts were audited by Sumer Auditco Limited.

What does the highest-paid employee of ST JOSEPH'S COLLEGE LIMITED earn?

Per its FY2025 accounts, the highest-paid employee was in the £150,001 - £210,000 band.

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.

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with ST JOSEPH'S SCHOOL, LAUNCESTON.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
ST JOSEPH'S COLLEGE LIMITED£10.9m£150,001 - £210,000—unclear—no doubt
ST JOSEPH'S SCHOOL, LAUNCESTON FY2025£3.0m——unclear—no doubt
UNIVERSITY COLLEGE SCHOOL FY2025£36.3m——unclear—no doubt
St Joseph's School Association (SJSA) FY2025£110k—0unclear—no doubt
ST JOSEPH'S SPECIALIST TRUST FY2025£13.5m——below—no doubt
ST JOHN'S COLLEGE LIMITED FY2025£7.1m——unclear—no doubt

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