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FINANCE INNOVATION LAB

Registered charity 1165269 · accounts filings on the Charity Commission register · also known as FILAB; THE LAB

THE FINANCE INNOVATION LAB WORKS FOR A FINANCIAL SYSTEM THAT SERVES PEOPLE AND PLANET - ONE THAT IS DEMOCRATIC, RESPONSIBLE AND FAIR. WE DO THIS BY FINDING, CONNECTING AND BUILDING THE IMPACT OF INNOVATORS, CAMPAIGNERS AND INTRAPRENEURS (PROFESSIONALS SEEKING TO TRANSFORM THEIR ORGANISATIONS).

Causes: General Charitable Purposes · Education/training · The Prevention Or Relief Of Poverty · Environment/conservation/heritage · Economic/community Development/employment · Grant history (this charity is a funder) · website · Get email alerts

Latest income
£738k
Latest spending
£795k
Registered
2016
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net deficit for the year, with unrestricted reserves falling to £221,541. The trustees consider this level of reserves appropriate, noting it represents 3.8 months of salary costs against a policy target of at least three months. The organization is continuing operations with no material uncertainties identified regarding its going concern status.

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

What the accounts disclose

Reserves policy: three months’ of salary costs but no more than six month’s worth of total budgeted expenditure (held: £222k)
“Our target is to maintain reserves at a level that is at least equivalent to three months’ of salary costs but no more than six month’s worth of total budgeted expenditure.”
Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 4 of 6 completeness components.

Structured financials (annual return, FY ending 31/12/2025)

Total income
£738k
Total spending
£795k
Cost of raising funds
£71k
Reserves (reported)
£222k
Employees
11

Reported reserves equal ~3.3 months of spending — below the median for charities its size (median 5.2 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (97% 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: 9.6% of total income — above the median for charities its size (4.9%) (benchmarks).

Trustees · trustee networks

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

Operates in: Throughout England And Wales · United States

Income and spending

Financial year endIncomeSpending
31/12/2025£738k£795k
31/12/2024£860k£703k
31/12/2023£833k£829k
31/12/2022£803k£742k
31/12/2021£563k£457k

Common questions

Is FINANCE INNOVATION LAB financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a net deficit for the year, with unrestricted reserves falling to £221,541. The trustees consider this level of reserves appropriate, noting it represents 3.8 months of salary costs against a policy target of at least three months. The organization is continuing operations with no material uncertainties identified regarding its going concern status. Its FY2025 accounts were independently examined.

Who funds FINANCE INNOVATION LAB?

Funders whose own accounts filings name FINANCE INNOVATION LAB as a grant recipient include FRIENDS PROVIDENT CHARITABLE FOUNDATION, TRUST FOR LONDON, JOFFE CHARITABLE TRUST CIO, JOHN ELLERMAN FOUNDATION, THE J J CHARITABLE TRUST.

Known funders

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

FunderYearAmountPurpose (as stated by the funder)
FRIENDS PROVIDENT CHARITABLE FOUNDATIONFY2023£250kCore Funding
FRIENDS PROVIDENT CHARITABLE FOUNDATIONFY2025£205kCross-party sustainability and finance
TRUST FOR LONDONFY2024£120kEnding the poverty premium
JOFFE CHARITABLE TRUST CIOFY2024£112k
FRIENDS PROVIDENT CHARITABLE FOUNDATIONFY2023£100kCore funding in support of Finance Innovation Lab’s work
JOHN ELLERMAN FOUNDATIONFY2025£100kTowards core costs to convene and coordinate the Fair Banking for All Coalition
FRIENDS PROVIDENT CHARITABLE FOUNDATIONFY2022£50kGrant increase (core funding)
THE J J CHARITABLE TRUSTFY2022£50kTowards Director of Programmes and Community Power Building role.
THE BARROW CADBURY TRUSTFY2024£30kEconomic Justice
JOFFE CHARITABLE TRUST CIOFY2021£25k
JOFFE CHARITABLE TRUST CIOFY2022£25k
NETWORK FOR SOCIAL CHANGE CHARITABLE TRUSTFY2022£20kEconomic Justice Pool
NETWORK FOR SOCIAL CHANGE CHARITABLE TRUSTFY2023£19kFast Track
NETWORK FOR SOCIAL CHANGE CHARITABLE TRUSTFY2025£18kPool/Fast Track
JOFFE CHARITABLE TRUST CIOFY2023£17k

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
THE JOSEPH ROWNTREE CHARITABLE TRUST1£95k
THE PG & NJ BOULTON TRUST LIMITED1£82k
BETHEL PRESBYTERIAN CHURCH (REFORMED) CARDIFF WEST1£48k
THE INDIGO TRUST1£45k
THE BLAGRAVE TRUST1£39k
PAUL HAMLYN FOUNDATION1£30k
THE GOSHEN TRUST1£24k
THE LOVINGTON FOUNDATION1£20k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with JUST FINANCE FOUNDATION.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
FINANCE INNOVATION LAB£738k——unclear—no doubt
JUST FINANCE FOUNDATION FY2025£437k—0unclear—no doubt
SUSTAINABILITY FIRST FY2025£381k——unclear—no doubt
FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD FY2025£385k—0unclear—no doubt
B LAB (UK) FY2025£11.7m——above—no doubt
LABORATORY ANIMALS LIMITED FY2024£250k—0unclear—no doubt

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