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CHARTFORD HOUSING LIMITED

Registered charity 1162562 · accounts filings on the Charity Commission register

The provision of housing for those in need

Causes: Accommodation/housing · Get email alerts

Latest income
£3.4m
Latest spending
£2.9m
Registered
2015
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the company reported an operating surplus of £1,057,286 and total reserves of £7,832,111 as of 31 March 2025. Per the trustees' report, the company maintains a healthy operating margin of 31.2% and has sufficient reserves and loan headroom from its parent entity to support future operations.

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

What the accounts disclose

Largest income source: Government Grants (54% of income)
“Government Grants taken to income 1,839,090” — page 27
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: sufficient reserves should be maintained “in order to provide reliable services over the longer term and have the capacity to absorb setbacks and to take advantage of change and opportunity” (held: £5.9m)
“The policy sets out that sufficient reserves should be maintained “in order to provide reliable services over the longer term and have the capacity to absorb setbacks and to take advantage of change and opportunity”.” — page 6
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Fees charged to HHA for acting as landlord for properties
“Fees charged to HHA - For acting as landlord for properties 20,080 18,216”
“Fees charged to HHS - For acting as landlord for properties 159,870 138,278”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Fees charged to HHS for acting as landlord for properties
“Fees charged to HHA - For acting as landlord for properties 20,080 18,216”
“Fees charged to HHS - For acting as landlord for properties 159,870 138,278”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Fees from HHA for management and housing support services
“Fees charged to HHA - For acting as landlord for properties 20,080 18,216”
“Fees charged to HHS - For acting as landlord for properties 159,870 138,278”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Interest charged on loan received from HHA
“Fees charged to HHA - For acting as landlord for properties 20,080 18,216”
“Fees charged to HHS - For acting as landlord for properties 159,870 138,278”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Expenses paid to Directors
“Fees charged to HHA - For acting as landlord for properties 20,080 18,216”
“Fees charged to HHS - For acting as landlord for properties 159,870 138,278”
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Crowe U.K. LLP. Discloses 4 of 6 completeness components.

Corporate structure

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.

Official officers record.

Property (HM Land Registry)

121 registered titles in England and Wales held by the charity’s company or corporate body (100 freehold); recorded price paid £13.4m. All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Structured financials (annual return, FY ending 31/03/2025)

Total income
£3.4m
Total spending
£2.9m
Reserves (reported)
£5.9m
Employees
0

Reported reserves equal ~24.8 months of spending — in the top quarter for charities its size (median 4.8 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (54% 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 (5.2%) (benchmarks).

Trustees · trustee networks

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

Operates in: Bradford City · Calderdale · Kirklees · North Yorkshire

Income and spending

Financial year endIncomeSpending
31/03/2025£3.4m£2.9m
31/03/2024£3.1m£2.7m
31/03/2023£3.5m£3.2m
31/03/2022£2.6m£2.0m
31/03/2021£3.7m£1.4m

Common questions

Is CHARTFORD HOUSING LIMITED financially healthy?

Per its FY2025 accounts: The accounts state that the company reported an operating surplus of £1,057,286 and total reserves of £7,832,111 as of 31 March 2025. Per the trustees' report, the company maintains a healthy operating margin of 31.2% and has sufficient reserves and loan headroom from its parent entity to support future operations. Its FY2025 accounts were audited by Crowe U.K. LLP.

Government & lottery funding

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

FunderDateAmountPurpose
Calderdale Metropolitan Borough Council—£15kHousing Services - Capital
Calderdale Metropolitan Borough Council—£15kHousing Services - Capital

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
AKO FOUNDATION1£96k
THE MARY KINROSS CHARITABLE TRUST1£51k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST PAUL'S EALING1£7k
THE BEATRICE LAING TRUST1£5k
JOSEPH ETTEDGUI CHARITABLE FOUNDATION1£5k
THE WILLIAM ALLEN YOUNG CHARITABLE TRUST1£2k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST. GEORGE THE MARTYR WITH ST. ALPHEGE AND ST. JUDE, SOUTHWARK1£1k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with RAMSEY WELFARE CHARITIES.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
CHARTFORD HOUSING LIMITED£3.4m—0above—no doubt
RAMSEY WELFARE CHARITIES FY2025£310k—0unclear—no doubt
WHEELHOUSE SQUARE FLATS FY2025£213k—0unclear—no doubt
ARK HOUSING TRUST FY2025£1.3m—0unclear—no doubt
VISCOUNTESS BARRINGTON HOMES FOR DISADVANTAGED EX-SERVICE PERSONNEL CIO FY2025£114k—0unclear—no doubt
THE FORESTERS HOMES TRUST FY2024£135k—0unclear—no doubt

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