BAY CHARITABLE TRUST

Registered charity 1060537 · accounts filings on the Charity Commission register

To give charity for the relief of poverty and sickness and for the advancement of traditions of the Jewish religion and the study of Torah and support of any Torah institution worldwide

Causes: General Charitable Purposes · Education/training · The Advancement Of Health Or Saving Of Lives · Disability · The Prevention Or Relief Of Poverty · Overseas Aid/famine Relief · Grant history (this charity is a funder) · Get email alerts

Latest income

£193k

Latest spending

£551k

Registered

1997

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that unrestricted funds decreased from £551,881 to £194,136 due to charitable expenditure exceeding income. The trustees' report notes that significant external risks to funding have led to consideration of alternative sources, and future plans depend on adequate funding availability. However, the notes confirm there are no material uncertainties regarding the charity's ability to continue.

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

What the accounts disclose

Largest income source: Donations and legacies (100% of income)

“Charitable income is derived from donations.” — page 4

Per its FY2025 accounts as filed with the Charity Commission.

Reserves policy: two or three months of anticipated charitable expenditure (held: £194k)

“The charity has a policy to retain, if possible, reserves sufficient to meet a further two or three months of anticipated charitable expenditure.” — page 4

Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 4 of 6 completeness components.

Structured financials (annual return, FY ending 31/12/2024)

Total income

£725k

Total spending

£325k

Reserves (reported)

£552k

Employees

Reported reserves equal ~20.4 months of spending — above the median for charities its size (median 7.0 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (100% 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 (2.9%) (benchmarks).

Trustees · trustee networks

IAN M KREDITORchair · trustee of 3 other charities
MICHAEL LISSER · trustee of 5 other charities

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

Operates in: Throughout England

Income and spending

Financial year end	Income	Spending
31/12/2025	£193k	£551k
31/12/2024	£725k	£325k
31/12/2023	£597k	£331k
31/12/2022	£662k	£649k
31/12/2021	£421k	£412k

Common questions

Is BAY CHARITABLE TRUST financially healthy?

Per its FY2025 accounts: The accounts state that unrestricted funds decreased from £551,881 to £194,136 due to charitable expenditure exceeding income. The trustees' report notes that significant external risks to funding have led to consideration of alternative sources, and future plans depend on adequate funding availability. However, the notes confirm there are no material uncertainties regarding the charity's ability to continue. Its FY2025 accounts were independently examined.

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
AMABRILL LTD	1	£636k
COUNTYPIER LIMITED	1	£281k
ACHISOMOCH AID COMPANY LIMITED	1	£229k
KEREN ASSOCIATION LIMITED	1	£188k
CARLEE LTD	1	£50k
VAIDICHKA	1	£40k
C E K STERN CHARITABLE TRUST	1	£35k
SABENO LIMITED	1	£35k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with J E JOSEPH CHARITABLE FUND.

J E JOSEPH CHARITABLE FUND income £130k
UTRY income £998k
M AND R GROSS CHARITIES LIMITED income £4.1m
MIFAL TOV VACHESED income £137k
FRIENDS OF SANZ INSTITUTIONS income £1.6m
H P CHARITABLE TRUST income £226k

Side by side with its peers

Charity	Income	Top pay band	Reserves vs policy	Fundraising cost	Going concern
BAY CHARITABLE TRUST	£193k	—	unclear	—	no doubt
J E JOSEPH CHARITABLE FUND FY2026	£130k	—	below	—	no doubt
UTRY FY2025	£998k	—	unclear	—	no doubt
M AND R GROSS CHARITIES LIMITED FY2025	£4.1m	—	unclear	—	no doubt
MIFAL TOV VACHESED FY2025	£137k	—	below	11.6%	no doubt
FRIENDS OF SANZ INSTITUTIONS FY2025	£1.6m	—	above	—	no doubt

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