THE BORROW FOUNDATION

Registered charity 1060308 · accounts filings on the Charity Commission register · Wikidata: Q50037351 · also known as BORROW DENTAL MILK FOUNDATION

The Borrow Foundation is a grant making organisation, committed to the improvement of oral health, primarily in children, through the prevention of oral diseases. The work we support reaches many parts of the world, with the focus being firmly on population oral health and the need to reduce inequalities, within and between countries.

Objects

THE PREVENTION OF ORAL DISEASE AND THE PROMOTION OF ORAL HEALTH AND OF ORAL HEALTH EDUCATION FOR THE BENEFIT OF THE GENERAL PUBLIC.

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: The Advancement Of Health Or Saving Of Lives · Grant history (this charity is a funder) · website · Get email alerts

Registered contact address: Havant, South East, England (from the postcode on the register)

Latest income
£27.0m
Latest spending
£1.9m
Registered
1997
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that unrestricted funds increased significantly to £49,178,514, driven largely by a £25.1 million gain from the disposal of fixed assets. The charity maintains a reserves policy targeting free reserves between £nil and £300,000, though actual unrestricted funds substantially exceed this target. The trustees confirm there are no material uncertainties regarding the charity's ability to continue as a going concern.

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

What the accounts disclose

Largest income source: Disposal of fixed assets (93% of income)
“Total income comprises £1,310,228 (2024 – £1,407,598) of income from commercial activities, £571,895 (2024 – £408,436) generated by the charity’s investments and £25,128,999 (2024 - £nil) from the disposal of fixed assets.” — page 15
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: between £nil and £300,000 (reserves figure: £49.2m)
“The charity aims to maintain its free reserves balance (excluding all fixed assets, deferred tax liabilities, and grant commitments) between £nil and £300,000 to ensure there is a small reserve to meet future unforeseen expenditure.” — page 17
Per its FY2025 accounts as filed with the Charity Commission.
Trading subsidiary: Borrow Investments Limited
“The charity's wholly owned subsidiary undertaking, Borrow Investments Limited (company registration number 00671291), carries out non-charitable trading activities.” — page 5
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Buzzacott Audit LLP. Discloses 5 of 6 completeness components.

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.

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

  • Employees paid over £60,000: 1 (£130,001–£140,000: 1)
  • Trustee benefits, answered Yes to: any trustee benefit; other trustee benefit
  • Has a trading subsidiary
  • Grant-making is its main activity

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

  • Employees paid over £60,000: 1 (£130,001–£140,000: 1)
  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for acting as trustee
  • Has a trading subsidiary
  • Grant-making is its main activity

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

  • Employees paid over £60,000: 1 (£120,001–£130,000: 1)
  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for acting as trustee
  • Has a trading subsidiary
  • Grant-making is its main activity

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).

Corporate structure

BORROW INVESTMENTS LIMITED — per its own Companies House accounts
  • Turnover: £1.3m
  • Profit before tax: £25.7m
  • Donated/gift-aided to the charity: £505k
  • Loan from parent undertaking: £1,900,000
“During the year the company made a charitable contribution of £504,768 (2024 — £935,590) via Gift Aid to its parent undertaking, The Borrow Foundation, a registered charity, whose objects are the prevention of oral disease and the promotion of oral heaith education for the benefit of the general public. An in-kind donation of the investment property, Lister House, with a value of £12,175,000, was also made by the company to the charity.”

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.

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.

Official officers record.

Property (HM Land Registry)

7 registered titles in England and Wales held by the charity’s company or corporate body (6 freehold). All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Public profiles (found on the charity’s own website): facebook (46 followers)

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

Total income
£27.0m
Total spending
£1.9m
Cost of raising funds
£744k
Reserves (reported)
£25.1m
Employees
10

Reported reserves equal ~157.3 months of spending — in the top quarter for charities its size (median 4.6 months; benchmarks).

Per its annual return, largest income source: Other (93% 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: 2.8% of total income — below the median for charities its size (3.7%) (benchmarks).

Trustees · trustee networks

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

Operates in: Australia · Burma · Cambodia · Chile · Leeds City · Lithuania · Newcastle Upon Tyne City · Occupied Palestinian Territories · Russia · Sweden · Thailand · Vietnam

Income and spending

Financial year endIncomeSpending
31/03/2025£27.0m£1.9m
31/03/2024£1.8m£1.7m
31/03/2023£2.0m£1.7m
31/03/2022£1.5m£1.4m
31/03/2021£1.8m£1.5m

Common questions

Is THE BORROW FOUNDATION financially healthy?

Per its FY2025 accounts: The accounts state that unrestricted funds increased significantly to £49,178,514, driven largely by a £25.1 million gain from the disposal of fixed assets. The charity maintains a reserves policy targeting free reserves between £nil and £300,000, though actual unrestricted funds substantially exceed this target. The trustees confirm there are no material uncertainties regarding the charity's ability to continue as a going concern. Its FY2025 accounts were audited by Buzzacott Audit LLP.

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 THE HOLROYD FOUNDATION.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE BORROW FOUNDATION£27.0m—0unclear—no doubt
THE HOLROYD FOUNDATION FY2025£21k—0unclear—no doubt
WORDS MATTER FY2025£183k—0unclear—no doubt
THE BROOMTON FOUNDATION FY2024£3.0m—0unclear—no doubt
THE TALKING TABOOS FOUNDATION FY2025£44k—0unclear—no doubt
THE BORNE FOUNDATION FY2025£1.7m£90,001 - £100,0001unclear—no doubt

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