CYNGOR AR BOPETH CEREDIGION CITIZENS' ADVICE BUREAU

Registered charity 1061839 · accounts filings on the Charity Commission register · also known as CARDIGAN AND DISTRICT CITIZENS ADVICE BUREAU

The Bureau is for the benefit of the community in the county of Ceredigion and aims to ensure that individuals do not suffer through lack of knowledge of their rights and responsibilities or of the services available to them or through an inability to express their needs effectively. The service is free, confidential, independent and impartial and offered to anyone in need of advice.

Objects

TO PROMOTE ANY CHARITABLE PURPOSE FOR THE PUBLIC BENEFIT BY THE ADVANCEMENT OF EDUCATION, THE PROTECTION AND PRESERVATION OF HEALTH AND THE RELIEF OF POVERTY, SICKNESS AND DISTRESS FOR THE BENEFIT OF THE WHOLE OF WALES, IN PARTICULAR, BUT NOT EXCLUSIVELY FOR THE BENEFIT OF THE COMMUNITY IN CEREDIGION AND SURROUNDING AREAS

Area of benefit: WALES, IN PARTICULAR CEREDIGION AND SURROUNDING AREA.

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

Causes: General Charitable Purposes · The Prevention Or Relief Of Poverty · website · Get email alerts

Financial health, per its FY2025 accounts

The accounts state that the charity reported a deficit of £7,379 for the year ended 31 March 2025, with total income of £649,120 and expenditure of £653,464. The trustees acknowledge significant financial uncertainty due to reliance on time-limited project funds, though they maintain that free reserves of £331,979 exceed their policy target of £325,850.

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

What the accounts disclose

Accounts independently examined (not a full audit). Discloses 5 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Financial Conduct Authority. 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.

• Bullying and harassment policy and procedures
• Campaigns and political activity policy and procedures
• Complaints handling
• Complaints policy and procedures
• Conflicting interests
• Engaging external speakers at charity events 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
• Social media policy and procedures
• Trustee conflicts of interest policy and procedures
• Trustee expenses policy and procedures
• Volunteer management

Public fundraising profile: JustGiving — Ceredigion CAB (matched by registered charity number).

Property (HM Land Registry)

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

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

Reported reserves equal ~5.9 months of spending — above the median for charities its size (median 5.2 months; benchmarks).

Per its annual return, largest income source: Charitable activities (86% 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 (4.9%) (benchmarks).

Trustees · trustee networks

• SUSAN ELIZABETH CHAMBERSchair
• Clive Davies
• DAVID GRIFFITH MICHAEL JAMES
• Stephen Philip Stratton

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

Operates in: Throughout Wales

Income and spending

Common questions

Government & lottery funding

Grants to this charity published as open data by government and lottery funders (360Giving).