Charity Accounts Intelreading the accounts so you don’t have to

THE CROSS TRUST

Registered charity 1127046 · accounts filings on the Charity Commission register

To advance any religious or other charitable object, including the support of any religious or charitable institution or work for the furtherance of religious or secular education, to advance the Christian faith in the United Kingdom or overseas, the relief of the poor and needy and comfort of the sick and aged.

Causes: Education/training · The Prevention Or Relief Of Poverty · Religious Activities · Grant history (this charity is a funder) · Get email alerts

Latest income
£707k
Latest spending
£846k
Registered
2008
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net loss of £133,306 for the year, resulting in a decrease in unrestricted reserves from £623,762 to £490,456. The trustees consider the reserves policy target to be three to six months of governance and support costs, and the current free reserves of £490,456 are stated without explicit comparison to a specific monetary target derived from that policy. The auditor confirmed that the use of the going concern basis of accounting is appropriate with no material uncertainties identified.

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

What the accounts disclose

Reserves policy: three to six months of governance and support costs (held: £490k)
“The trustees aim to maintain free reserves equivalent to approximately three to six months of governance and support costs” — page 5
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Lord Michael Farmer, a trustee and director, donated £558,000 (2024: £50,000) to the charity. No restrictions or conditions were placed on these donations.
“During the year, Lord Michael Farmer, a trustee and director, donated £558,000 (2024: £50,000) to the charity. No restrictions or conditions were placed on these donations.” — page 20
“The Lady Farmer, a trustee and director, is also a trustee of Luckley House School Limited. During the year the charity made grants totalling £160,113 (2024: £158,977) to Luckley House School Limited.” — page 20
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: The Lady Farmer, a trustee and director, is also a trustee of Luckley House School Limited. During the year the charity made grants totalling £160,113 (2024: £158,977) to Luckley House School Limited.
“During the year, Lord Michael Farmer, a trustee and director, donated £558,000 (2024: £50,000) to the charity. No restrictions or conditions were placed on these donations.” — page 20
“The Lady Farmer, a trustee and director, is also a trustee of Luckley House School Limited. During the year the charity made grants totalling £160,113 (2024: £158,977) to Luckley House School Limited.” — page 20
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by SKS Audit LLP. Discloses 4 of 6 completeness components.

Structured financials (annual return, FY ending 05/04/2025)

Total income
£707k
Total spending
£846k
Reserves (reported)
£490k
Employees
0

Reported reserves equal ~7.0 months of spending — above the median for charities its size (median 5.2 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (99% 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

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

Operates in: Japan · New Zealand · Scotland · South Africa

Income and spending

Financial year endIncomeSpending
05/04/2025£707k£846k
05/04/2024£95k£1.4m
05/04/2023£183k£721k
05/04/2022£4.7m£4.5m
05/04/2021£82k£1.1m

Common questions

Is THE CROSS TRUST financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a net loss of £133,306 for the year, resulting in a decrease in unrestricted reserves from £623,762 to £490,456. The trustees consider the reserves policy target to be three to six months of governance and support costs, and the current free reserves of £490,456 are stated without explicit comparison to a specific monetary target derived from that policy. The auditor confirmed that the use of the going concern basis of accounting is appropriate with no material uncertainties identified. Its FY2025 accounts were audited by SKS Audit LLP.

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.

FunderSimilar charities fundedAmount to them
CHARITY OF RICHARD CLOUDESLEY1£172k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. SAVIOUR HANLEY ROAD1£688

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with THE CHARIS TRUST.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE CROSS TRUST£707k—0unclear—no doubt
THE CHARIS TRUST FY2025£591k—0unclear—no doubt
JOHN JAMES CHARITABLE TRUST FY2025£344k—0unclear—no doubt
TOGETHER FOR CHRIST HIS KINGDOM AND HIS CHURCH FY2025£141k£30,6320unclear—no doubt
COMMUNITY OF THE HOLY CROSS FY2025£408k—0unclear—no doubt
THE CORNERSTONE CHURCH GROUP FY2025£226k—0unclear—no doubt

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