MONEY ADVICE TRUST

Registered charity 1099506 · accounts filings on the Charity Commission register · also known as BUSINESS DEBTLINE, NATIONAL DEBTLINE, WISERADVISER

Latest income
£21.7m
Latest spending
£22.5m
Registered
2003
Accounts read
FY2024

Financial health, per its FY2024 accounts

The accounts state that the charity achieved a modest operating surplus of £0.2m with total income of £21.7m against operational expenditure of £21.5m. Free unrestricted reserves stood at £12.6m, which the trustees confirm conforms to their stated reserves policy target of £5.5m +/- £1.5m. The charity reports adequate resources to continue in operational existence through 2025 and beyond.

What the accounts disclose

Highest-paid employee band: £180,000 - £189,999 — in the top quarter for charities its size (median £125k)
£180,000 to £189,999 1 - — page 38
Per its FY2024 accounts as filed with the Charity Commission.
Reserves policy: £5.5m +/- £1.5m (held: £12.6m)
The policy agreed by the Board identifies a target reserve level of £5.5m +/- £1.5m.
Per its FY2024 accounts as filed with the Charity Commission.

Accounts audited by PEM Audit Limited.

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.

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

Total income
£21.7m
Total spending
£22.5m
Cost of raising funds
£262k
Reserves (reported)
£12.6m
Employees
322

Reported reserves equal ~6.7 months of spending — above the median for charities its size (median 4.6 months; benchmarks).

Register events

Trustees

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

Operates in: Northern Ireland · Scotland · Throughout England And Wales

Income and spending

Financial year endIncomeSpending
31/12/2024£21.7m£22.5m
31/12/2023£21.3m£18.7m
31/12/2022£16.0m£13.8m
31/12/2021£16.3m£14.0m
31/12/2020£14.8m£12.8m

Common questions

Is MONEY ADVICE TRUST financially healthy?

The accounts state that the charity achieved a modest operating surplus of £0.2m with total income of £21.7m against operational expenditure of £21.5m. Free unrestricted reserves stood at £12.6m, which the trustees confirm conforms to their stated reserves policy target of £5.5m +/- £1.5m. The charity reports adequate resources to continue in operational existence through 2025 and beyond. Its FY2024 accounts were audited by PEM Audit Limited.

What does the highest-paid employee of MONEY ADVICE TRUST earn?

Per its FY2024 accounts, the highest-paid employee was in the £180,000 - £189,999 band.

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