National Independent Consumer Organisation

Registered charity 1101414 · accounts filings on the Charity Commission register · also known as NATIONAL CONSUMER FEDERATION

Protecting the rights & interests of the consumer

Objects

I) TO IDENTIFY AND PROMOTE THE INTERESTS OF CONSUMERS, WITH REFERENCE TO THE KEY GUIDING PRINCIPLES OF CHOICE, INFORMATION, REPRESENTATION, ACCESS TO GOODS AND SERVICES, QUALITY AND FAIRNESS, SAFETY AND REDRESSII) TO PROMOTE CONSUMER EDUCATION AND RESEARCH TO INCREASE THE AWARENESS AND EFFECTIVENESS OF CONSUMERS IN THOSE ISSUES THAT AFFECT THEMIII) TO PROVIDE A MEANS OF COMMUNICATION WITH GOVERNMENT, COMMERCE AND INDUSTRY, REGULATORS AND OTHER INTERESTED PARTIESIV) TO ENCOURAGE AND SUPPORT MEMBERS AND MEMBER ORGANISATIONS TO WORK TOGETHER BETTER AND TO PROMOTE THEIR ACTIVITIES, AND TO PROVIDE CONSUMER INFORMATION AND EDUCATION.V) TO CONSULT WITH AND REPRESENT GRASSROOTS MEMBERS, TO CIRCULATE, PUBLISH AND DISSEMINATE THEIR VIEWS AND WHERE APPROPRIATE TO RESPOND TO CONSULTATION ON THEIR BEHALF

Area of benefit: NATIONAL

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

Causes: Education/training · website · Get email alerts

Registered contact address: Basingstoke and Deane, South East, England (from the postcode on the register)

Latest income
£100k
Latest spending
£105k
Registered
2004
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that unrestricted reserves stood at £5,674 at year-end, which is below the trustees' stated policy target of three months' core operating expenditure. The charity reported a net deficit for the year of £4,096, driven by expenditure exceeding income, and relies on a single major donor for its primary funding stream. The independent examiner highlighted a significant governance concern, noting that trustee payments appeared to violate the charity's Articles of Association and lacked required Charity Commission approval.

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

What the accounts disclose

Reserves position: below the charity's own stated reserves policy
“As of 31 st December 2025 the free reserves amounted £5,674.”
Per its FY2025 accounts as filed with the Charity Commission.
Audit opinion: qualified
“Based on the documents provided to me, it would appear the charitable company’s Articles of Association, approved on 5th December 2017, appear to prohibit the payments to Trustees for services provided within Section 9. Furthermore the Trustees had not obtained Charity Commission approval prior to such payments being made.” — page 13
Per its FY2025 accounts as filed with the Charity Commission.
Payments to trustees: Payments made to trustees for professional services: Brian Gregory (£1,022), Stephen Huller (£48,754), Deb Hearn (£7,200), Peter Hart (£50).
“During 2025, payments were made to Dr Brian Gregory for professional services associated with the operation and development of NICO's Financial Protection Panel, and to Stephen Huller for professional services associated with the development and operation of the Lenders Panel, Deb Hearn for administration services and Peter Hart, also for administration services.” — page 10
Per its FY2025 accounts as filed with the Charity Commission.
Governance: Examiner concern regarding compliance with governing document and CC11 guidance due to lack of Charity Commission approval for trustee payments.
“There is therefore a concern that the payments may not have complied with the charity’s governing document and the principles set out in Charity Commission guidance CC11.” — page 13
Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). 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 31/12/2025

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

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

Annual return filing dates (Charity Commission record)

Of its last 5 annual returns with a recorded received date, 2 were received after the due date: year ending 31/12/2025 (received 01/11/2026, 1 day after the 31/10/2026 due date); year ending 31/12/2022 (received 09/05/2024, 191 days after the 31/10/2023 due date).

Due and received dates as recorded in the Commission’s annual-return data; the data does not say whether an extension was agreed. Source: this charity’s annual returns on the Charity Commission register.

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£100k£105k
31/12/2024£294£2k
31/12/2023£3k£7k
31/12/2022£208£1k
31/12/2021£224£3k

Common questions

Is National Independent Consumer Organisation financially healthy?

Per its FY2025 accounts: The accounts state that unrestricted reserves stood at £5,674 at year-end, which is below the trustees' stated policy target of three months' core operating expenditure. The charity reported a net deficit for the year of £4,096, driven by expenditure exceeding income, and relies on a single major donor for its primary funding stream. The independent examiner highlighted a significant governance concern, noting that trustee payments appeared to violate the charity's Articles of Association and lacked required Charity Commission approval. 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.

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with THE NATIONAL INSTITUTE OF ECONOMIC AND SOCIAL RESEARCH.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
National Independent Consumer Organisation£100k—0below—no doubt
THE NATIONAL INSTITUTE OF ECONOMIC AND SOCIAL RESEARCH FY2026£3.3m——below—no doubt
THE WELL CHURCH, NORTH SWINDON FY2025£134k—0above—no doubt
FULL FACT FY2025£3.1m£110,000 - £119,9999above—no doubt
BNJC FY2025£4.1m£100,000-£140,0001unclear—no doubt
CLEVEDON AND DISTRICT FOODBANK CIO FY2025£133k—0unclear—no doubt

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