THE ARMY DEPENDANTS' TRUST

Registered charity 1064522 · accounts filings on the Charity Commission register · also known as ADT, THE SOLDIERS' DEPENDANTS FUND, The Army Bereavement Trust

1. To promote the efficiency of the Army by providing immediate financial relief of persons who are in a condition of need, hardship or distress and are the dependants or next of kin of a deceased soldier or officer.2. If and insofar as trustees cannot apply the income for the object above, they will apply it in making grants to the ABF The Soldiers' Charity for their general purposes.

Objects

THE OBJECT OF THE CHARITY IS THE PROMOTION OF THE EFFICIENCY OF THE ARMY THROUGH THE RELIEF OF DEPENDANTS OF DECEASED SOLDIERS OR OFFICERS IN THE FOLLOWING ORDER OF PRIORITY:(A) THE DEPENDANTS OF DECEASED MEMBERS OF THE CHARITY;(B) THE DEPENDANTS OF DECEASED SOLDIERS OR OFFICERS.(2) THE TRUSTEES MAY ASSIST DEPENDANTS BY:(A) THE PROVISION OF IMMEDIATE GRANTS; AND(B) THE RELIEF OF DEPENDANTS WHO ARE IN NEED BY VIRTUE OF FINANCIAL HARDSHIP, SICKNESS, DISABILITY OR THE EFFECTS OF OLD AGE THROUGH THE PROVISION OF GRANTS, LOANS, GIFTS, PENSIONS OR OTHERWISE.(3) IF AND IN SO FAR AS THE INCOME IS NOT REQUIRED FOR THE OBJECT IN SUB CLAUSE (1) ABOVE, THE TRUSTEES MAY APPLY IT:(A) IN MAKING GRANTS TO THE ARMY BENEVOLENT FUND (211645) FOR ITS GENERAL PURPOSES; OR(B) FOR THE BENEFIT OF PERSONS WHO ARE SERVING OR WHO HAVE SERVED IN THE BRITISH ARMY, OR THEIR DEPENDANTS, IN ANY CHARITABLE WAYS.

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 Prevention Or Relief Of Poverty · Armed Forces/emergency Service Efficiency · Grant history (this charity is a funder) · website · Get email alerts

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

Latest income
£2.1m
Latest spending
£1.9m
Registered
1997
Accounts read
FY2025

Financial health, per its FY2025 accounts

The charity holds unrestricted funds of £31.7 million, which exceeds its stated reserves policy target of £28.2 million. The organization generated a net income of £2.8 million for the year, driven significantly by investment gains, while total resources expended on charitable activities and governance amounted to £1.9 million. The accounts indicate 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

Highest-paid employee band: £70,001 - £80,000 — above the median for charities its size (£70k)
“The number of employees whose total employee benefits (excluding employer pension costs) for the year fell between £70,000 and £80,000 was 1 (2024: 1 between £60,000 and £70,000).” — page 25
Per its FY2025 accounts as filed with the Charity Commission.
Employees paid over £60,000: 1
“The number of employees whose total employee benefits (excluding employer pension costs) for the year fell between £70,000 and £80,000 was 1 (2024: 1 between £60,000 and £70,000).” — page 25
Per its FY2025 accounts as filed with the Charity Commission.
Largest income source: Investment income (60% of income)
“investment income was £1,298,232 (2024: £1,249,958)”
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: £28.2m (reserves figure: £31.7m)
“To meet its normal operational need and have cover for the unexpected events above, the trustees deem that an appropriate level of reserves to cover all requirements is £28.2m.” — page 8
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Grant to ABF The Soldiers' Charity, where two trustees were also trustees of the recipient.
“Major General J Chestnutt CBE and Major General S Humphris MBE were a trustees of ABF The Soldiers' Charity at some point during the year. The Charity has power, in its Scheme, to make grants to ABF The Soldiers' Charity. A grant of £800,000 (2024: £916,968) was made to ABF The Soldiers' Charity during the year.” — page 29
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Hysons Audit Services Ltd. Discloses 6 of 6 completeness components.

Year-over-year changes

Comparing this charity’s FY2024 and FY2025 accounts as analysed 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.

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 31/12/2025

  • Employees paid over £60,000: 1 (£70,001–£80,000: 1)
  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2024

  • Employees paid over £60,000: 1 (£60,001–£70,000: 1)
  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2023

  • Grant-making is its main activity

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

Structured financials (annual return, FY ending 31/12/2025)

Total income
£2.1m
Total spending
£1.9m
Cost of raising funds
£53k
Reserves (reported)
£31.7m
Employees
2

Reported reserves equal ~201.4 months of spending — in the top quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Investments (61% 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: 2.5% of total income — below the median for charities its size (5.3%) (benchmarks).

Trustees · trustee networks

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

Operates in: Throughout England And Wales

Income and spending

Financial year endIncomeSpending
31/12/2025£2.1m£1.9m
31/12/2024£2.1m£2.0m
31/12/2023£2.1m£1.8m
31/12/2022£2.0m£2.0m
31/12/2021£1.9m£1.1m

Common questions

Is THE ARMY DEPENDANTS' TRUST financially healthy?

Per its FY2025 accounts: The charity holds unrestricted funds of £31.7 million, which exceeds its stated reserves policy target of £28.2 million. The organization generated a net income of £2.8 million for the year, driven significantly by investment gains, while total resources expended on charitable activities and governance amounted to £1.9 million. The accounts indicate no material uncertainties regarding the charity's ability to continue as a going concern. Its FY2025 accounts were audited by Hysons Audit Services Ltd.

What does the highest-paid employee of THE ARMY DEPENDANTS' TRUST earn?

Per its FY2025 accounts, the highest-paid employee was in the £70,001 - £80,000 band, and 1 employees earned over £60,000.

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 Army Benevolent Fund.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE ARMY DEPENDANTS' TRUST£2.1m£70,001 - £80,0001unclear—no doubt
Army Benevolent Fund FY2026£13.7m——unclear—no doubt
ARMY FAMILIES FEDERATION FY2025£1.4m£70,001 - £80,0001unclear—no doubt
ARMED FORCES WIDOWS AND BEREAVED FAMILIES ASSOCIATION (UK) FY2025£51k—0above—no doubt
THE ROYAL AIR FORCE DEPENDANTS FUND FY2025£409k—0unclear—no doubt
FORCES CHILDREN'S TRUST FY2025£83k—0unclear—no doubt

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