COMMUNITY MONEY ADVICE LTD

Registered charity 1111436 · accounts filings on the Charity Commission register

Development of church based social and community action especially in the field of debt and money advice to people in need. The establishment of completely free money advice centres in every community in the nation. Publication of education and training materials related to the above activities.

Objects

TO RELIEVE POVERTY BY PROVIDING DEBT ADVICE AND TRAINING TO COMMUNITY GROUPS AND NON-PROFIT MAKING ORGANISATIONS IN ORDER FOR THEM TO ASSIST PERSONS WHO HAVE BEEN AFFECTED BY DEBT.

Area of benefit: NATIONAL AND OVERSEAS

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 · Education/training · The Prevention Or Relief Of Poverty · website · Get email alerts

Registered contact address: Shropshire, West Midlands, England (from the postcode on the register)

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net expenditure of £133,815 for the year, driven by total charitable expenditure of £646,204 against income of £512,389. Per the trustees' report, unrestricted reserves fell to £107,177, which is below the policy target of covering three months' operating costs or redundancy payments. The trustees note that reliance on grant funding is insufficient for stability and that the charity is under increased strain due to network reductions.

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 4 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.

• Complaints handling
• Complaints policy and procedures
• Conflicting interests
• Financial reserves policy and procedures
• Internal charity financial controls policy and procedures
• Internal risk management policy and procedures
• Paying staff
• Risk management
• Trustee conflicts of interest policy and procedures

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.

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

Corporate structure

• Registered company of the charity Companies House 05123444

Company officers (Companies House)

Current officers of the charity’s own company per the Companies House register, cross-checked against the Charity Commission trustee list by name. A director not on the trustee list is usually a timing or naming difference between the two registers — check both records before drawing conclusions.

• NICHOLAS-VILKAITIS, Catherine — director, appointed 01/06/2026on trustee list
• NUSSBAUM, David Simon Matthew — director, appointed 01/06/2026on trustee list
• WILLISON, Robin Bryan David — director, appointed 01/06/2026on trustee list
• PADFIELD, Alison Kathleen — director, appointed 13/01/2022on trustee list
• MANDER, Julian Stanier — director, appointed 22/01/2020on trustee list
• VINSON, Sarah Eveline — secretary, appointed 09/09/2021

Official officers record.

Structured financials (annual return, FY ending 31/05/2025)

Reported reserves equal ~2.0 months of spending — in the bottom quarter for charities its size (median 5.2 months; benchmarks).

Per its annual return, largest income source: Charitable activities (82% 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).

Register events

• Received assets from another charity (03/09/2025) — per the register’s event history; asset transfers typically record mergers or reorganisations.
• Received assets from another charity (16/07/2025) — per the register’s event history; asset transfers typically record mergers or reorganisations.
• Received assets from another charity (28/07/2019) — per the register’s event history; asset transfers typically record mergers or reorganisations.

Trustees · trustee networks

• Robin Bryan David Willisonchair · trustee of 2 other charities
• Alison Kathleen Padfield · trustee of 1 other charity
• Catherine Nicholas-Vilkaitis
• David Simon Matthew Nussbaum · trustee of 1 other charity
• Julian Stanier Mander · trustee of 1 other charity

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

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

Income and spending

Common questions

Known funders

Grants to this charity found in funders’ own accounts filings.

Government & lottery funding

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

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 MONEY ADVICE ST NEOTS.

• MONEY ADVICE ST NEOTS income £77k
• NHANCED COMMUNITIES income £182k
• CITIZENS ADVICE IN NORTH & WEST KENT income £2.1m
• MOORDOWN COMMUNITY ASSOCIATION income £134k
• CAMBRIDGE AID income £135k
• COVENTRY CITIZENS ADVICE income £1.8m

Side by side with its peers

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