OXFORD CHURCHES DEBT CENTRE

Registered charity 1155834 · accounts filings on the Charity Commission register · also known as CAP Oxford (Central)

Several Oxford churches together share the responsibility of running a debt help centre on behalf of Christians Against Poverty. We help people who are in debt, to work their way out of debt. We are Christians but work with people of any faith or none.

Objects

(A)THE RELIEF OF POVERTY FOR PERSONS LIVING IN AND AROUND OXFORD WHO ARE IN CONDITIONS OF NEED,HARDSHIP OR DISTRESS BY REASON OF THEIR SOCIAL AND OR ECONOMIC CIRCUMSTANCES BY PROVIDING ADVICE AND OTHER SERVICES AS THE TRUSTEES MAY FROM TIME TO TIME THINK IT;(B)THE ADVANCEMENT OF EDUCATION OF THE PUBLIC LIVING IN AND AROUND OXFORD IN ALL MATTERS RELATING TO THE MANAGEMENT OF THEIR PERSONAL FINANCES AS THE TRUSTEES MAY FROM TIME TO TIME THINK FIT;(C)THE ADVANCEMENT OF THE CHRISTIAN FAITH THROUGH CARE,COMPASSION AND RELEVANT PRACTICAL AND SPIRITUAL HELP AS THE TRUSTEES MAY FROM TIME TO TIME THINK FIT.

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

Causes: Education/training · The Prevention Or Relief Of Poverty · Religious Activities · Get email alerts

Registered contact address: Oxford, South East, England (from the postcode on the register)

Latest income
£85k
Latest spending
£95k
Registered
2014
Accounts read
FY2026

Financial health, per its FY2026 accounts

The accounts state that the charity incurred a deficit of £9,229 for the year ended March 2026, resulting in total net assets of £89,918. Per the trustees' report, cash reserves amounted to approximately ten months of the following year's expenditure, which is above the stated policy target of six months.

Automated summary of the FY2026 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Largest income source: Other gifts and grants (74% of income)
“Other gifts and grants 63,129” — page 12
Per its FY2026 accounts as filed with the Charity Commission.
Reserves policy: six months (reserves figure: £90k)
“The trustees have agreed that it would be prudent to hold at all times cash reserves sufficient to last for six months.” — page 14
Per its FY2026 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 3 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 31/03/2026

  • Volunteers: 45

Self-declared on the annual return for the financial year ending 31/03/2025

  • Volunteers: 50

Self-declared on the annual return for the financial year ending 31/03/2024

  • Volunteers: 50

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

Public fundraising profile: JustGiving — CAP Oxford Central (matched by registered charity number).

Register events

Trustees · trustee networks

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

Operates in: Oxfordshire

Income and spending

Financial year endIncomeSpending
31/03/2026£85k£95k
31/03/2025£99k£79k
31/03/2024£86k£82k
31/03/2023£75k£85k
31/03/2022£82k£85k

Common questions

Is OXFORD CHURCHES DEBT CENTRE financially healthy?

Per its FY2026 accounts: The accounts state that the charity incurred a deficit of £9,229 for the year ended March 2026, resulting in total net assets of £89,918. Per the trustees' report, cash reserves amounted to approximately ten months of the following year's expenditure, which is above the stated policy target of six months. Its FY2026 accounts were independently examined.

Who funds OXFORD CHURCHES DEBT CENTRE?

Funders whose own accounts filings name OXFORD CHURCHES DEBT CENTRE as a grant recipient include ST ALDATES PAROCHIAL CHARITY, THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. CLEMENT'S, OXFORD, THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MATTHEW OXFORD, THE LORD FARINGDON CHARITABLE TRUST, THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST PETER WEST HARROW.

Shared trustees with funders

Register facts shown side by side: a person serves as trustee of both this charity and a funder whose accounts record grants to it. Shared trusteeship is lawful and common; well-run charities manage it through declared-interest procedures.

Known funders

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

FunderYearAmountPurpose (as stated by the funder)
ST ALDATES PAROCHIAL CHARITYFY2025£13k
ST ALDATES PAROCHIAL CHARITYFY2024£11k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. CLEMENT'S, OXFORDFY2023£9kMissionary and charitable giving
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. CLEMENT'S, OXFORDFY2025£7kMission Gift Fund distribution
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MATTHEW OXFORDFY2023£7kOxford, UK
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST MATTHEW OXFORDFY2025£4kOxford, UK
THE LORD FARINGDON CHARITABLE TRUSTFY2021£3k
THE LORD FARINGDON CHARITABLE TRUSTFY2025£3k
THE LORD FARINGDON CHARITABLE TRUSTFY2024£3k
ST ALDATES PAROCHIAL CHARITYFY2021£3k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST PETER WEST HARROWFY2024£2kHome missions and other Church Societies
ST ALDATES PAROCHIAL CHARITYFY2022£2k
SEEDFIELD TRUSTFY2024£2k
EMMANUEL CHURCH OXFORDFY2025£2kNot specified
MR AND MRS J A PYE'S CHARITABLE SETTLEMENTFY2023£2k
EMMANUEL CHURCH OXFORDFY2024£2kGrants paid
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. CLEMENT'S, OXFORDFY2022£2kMissionary and charitable giving
ST ALDATES PAROCHIAL CHARITYFY2023£2k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST PETER WEST HARROWFY2025£1kMissionary & Charitable Giving
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. CLEMENT'S, OXFORDFY2021£1kMissionary and charitable giving
DORIS FIELD CHARITABLE TRUSTFY2023£1kSingle payment
THE STANTON BALLARD CHARITABLE TRUSTFY2025£1kCharitable purposes in and around the City of Oxford
THE LORD FARINGDON CHARITABLE TRUSTFY2022£1k
THE LORD FARINGDON CHARITABLE TRUSTFY2023£1k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST NICHOLAS, MARSTONFY2022£736Local charitable aid
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST NICHOLAS, MARSTONFY2023£500Local
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST PETER WEST HARROWFY2023£300Home missions and other Church Societies
EMMANUEL CHURCH OXFORDFY2023£300Grants paid

Government & lottery funding

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

FunderDateAmountPurpose
UK government09/10/2020£2kVSCE CMC Fund

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 CHRISTIANS AGAINST POVERTY.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
OXFORD CHURCHES DEBT CENTRE£85k——above—no doubt
CHRISTIANS AGAINST POVERTY FY2025£15.0m——below10.9%no doubt
THE OXFORD DIOCESAN BOARD OF FINANCE FY2025£24.9m——above—no doubt
THE HOPE TRUST OXFORD FY2026£78k—0unclear—no doubt
THE OXFORD GOOD STEWARDS TRUST FY2025£907k—0below—no doubt
OXFORDSHIRE COMMUNITY CHURCHES FY2025£5.0m—0below—no doubt

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