RAINY DAY TRUST

Registered charity 1170878 · accounts filings on the Charity Commission register

To relieve and assist persons in need who are or have been engaged in hardware/DIY, housewares, brushware, pottery, glass, builders merchants, ironmongery, garden supply, and all allied trades, and their dependants, in particular but not exclusively by providing advice, support and financial assistance.

Objects

1) THE OBJECT OF THE CIO IS, FOR THE PUBLIC BENEFIT, TO RELIEVE AND ASSIST PERSONS IN NEED WHO ARE OR HAVE BEEN ENGAGED IN HARDWARE/DIY, HOUSEWARES, BRUSHWARE, POTTERY, GLASS, BUILDERS MERCHANTS, IRONMONGERY, GARDEN SUPPLY, AND ALL ALLIED TRADES, AND THEIR DEPENDANTS, IN PARTICULAR BUT NOT EXCLUSIVELY BY PROVIDING ADVICE, SUPPORT AND FINANCIAL ASSISTANCE.2) THE EXPRESSION "DEPENDANT" SHALL INCLUDE A SPOUSE, CIVIL PARTNER, COHABITEE, WIDOW, WIDOWER, CHILD (INCLUDING A FOSTER CHILD OR OTHER CHILD TREATED AS A CHILD OF THE FAMILY) OR ANY OTHER PERSON WHO IS OR WAS DEPENDENT EITHER WHOLLY OR PARTLY FOR HIS OR HER MAINTENANCE UPON A PERSON WHO IS OR HAS BEEN ENGAGED IN ANY OF THE TRADES LISTED IN SUB-CLAUSE (1) ABOVE OR ALLIED TRADES.

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

Causes: Disability · The Prevention Or Relief Of Poverty · website · Get email alerts

Latest income

£173k

Latest spending

£333k

Registered

2016

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported an operating deficit of £160,400 for the year ended 31 December 2025, resulting in a net movement in funds of £109,999. Per the trustees' report, the charity held free reserves of £251,078, which equates to approximately six months of planned operating costs, sitting at the top of its target range of three to six months. The trustees confirm the charity remains a going concern, supported by net assets of £1.1 million and a strategic plan to deploy designated reserves over five years.

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

What the accounts disclose

Reserves policy: three to six months (held: £251k)

“It sets a minimum of three months of operating costs, with a target range of typically three to six months, reviewed annually.” — page 9

Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 5 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.

Bullying and harassment policy and procedures
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
Investing charity funds policy and procedures
Investment
Paying staff
Risk management
Safeguarding policy and procedures
Serious incident reporting policy and procedures
Social media policy and procedures
Trustee conflicts of interest policy and procedures
Volunteer management

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 31/12/2025

Has a trading subsidiary
Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2024

Volunteers: 6
Employees paid over £60,000: 1 (£70,001–£80,000: 1)
Has a trading subsidiary
Grant-making is its main activity

Self-declared on the annual return for the financial year ending 31/12/2023

Volunteers: 10
Employees paid over £60,000: 1 (£70,001–£80,000: 1)
Has a trading subsidiary
Grant-making is its main activity

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

Public fundraising profile: JustGiving — Rainy Day Trust (matched by registered charity number).

Property (HM Land Registry)

1 registered title in England and Wales held by the charity’s company or corporate body (1 freehold); recorded price paid £348k. All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Register events

Received assets from another charity (20/01/2026) — per the register’s event history; asset transfers typically record mergers or reorganisations.

Trustees · trustee networks

Richard Drewchair
Aaron Frogley
Andrew James Field
Avril Hicks · trustee of 1 other charity
DAVID HIBBERT
David Crawford
James Peter Barber
Kerrie Kincade
Paul Anthony Boyce
Robert Michael Willis
Seema Bhogaita
Trevor Mudd

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

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

Income and spending

Financial year end	Income	Spending
31/12/2025	£173k	£333k
31/12/2024	£250k	£359k
31/12/2023	£393k	£375k
31/12/2022	£287k	£360k
31/12/2021	£289k	£302k

Common questions

Is RAINY DAY TRUST financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported an operating deficit of £160,400 for the year ended 31 December 2025, resulting in a net movement in funds of £109,999. Per the trustees' report, the charity held free reserves of £251,078, which equates to approximately six months of planned operating costs, sitting at the top of its target range of three to six months. The trustees confirm the charity remains a going concern, supported by net assets of £1.1 million and a strategic plan to deploy designated reserves over five years. Its FY2025 accounts were independently examined.

Who funds RAINY DAY TRUST?

Funders whose own accounts filings name RAINY DAY TRUST as a grant recipient include THE FRANCIS WINHAM FOUNDATION, THE MONTAL CHARITABLE TRUST, THE DE BRYE CHARITABLE TRUST, SIR ROBERT GEFFERY'S ALMSHOUSE TRUST, THE MICHAEL MARSH CHARITABLE TRUST.

Known funders

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

Funder	Year	Amount	Purpose (as stated by the funder)
THE FRANCIS WINHAM FOUNDATION	FY2022	£15k
THE MONTAL CHARITABLE TRUST	FY2023	£5k
THE FRANCIS WINHAM FOUNDATION	FY2023	£5k
THE DE BRYE CHARITABLE TRUST	FY2023	£2k
SIR ROBERT GEFFERY'S ALMSHOUSE TRUST	FY2022	£2k	Relief in Need
THE MICHAEL MARSH CHARITABLE TRUST	FY2022	£2k
THE MICHAEL MARSH CHARITABLE TRUST	FY2023	£2k	Elderly / Old People
C B AND H H TAYLOR 1984 TRUST	FY2022	£1k
THE ARCHER TRUST	FY2022	£1k

Government & lottery funding

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

Funder	Date	Amount	Purpose
The National Lottery Community Fund	09/08/2024	£12k	Time to Save Energy
UK government	09/07/2020	£10k	Coronavirus Community Support Fund
The National Lottery Community Fund	22/02/2017	£7k	New to Work, Back to Work
The National Lottery Community Fund	05/01/2017	£5k	New to Work, Back to Work
The National Lottery Community Fund	09/11/2016	£9k	Social Engagement and Retiring with Dignity

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.

Funder	Similar charities funded	Amount to them
SKIPTON BUILDING SOCIETY CHARITABLE FOUNDATION	2	£3k
CHARLES S FRENCH CHARITABLE TRUST	1	£5k
CHAPMAN CHARITABLE TRUST	1	£2k
THE FRANK LITCHFIELD GENERAL CHARITABLE TRUST	1	£2k
SKELTON BOUNTY	1	£1k
THE SIR JAMES ROLL CHARITABLE TRUST	1	£1k
THE EDWARD AND DOROTHY CADBURY TRUST	1	£1k
THE EQUILIBRIUM FOUNDATION	1	£500

Charities like this

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

DAYSPRING CHURCH TRUST income £55k
RAINBOW SERVICES (HARLOW) income £687k
THE RYE ART GALLERY TRUST income £160k
CHILDREN TODAY CHARITABLE TRUST income £278k
BURWELL AND DISTRICT DAY CENTRE TRUST income £165k
THE DAGNY RAYMOND CHARITABLE TRUST income £108k

Side by side with its peers

Charity	Income	Top pay band	Reserves vs policy	Fundraising cost	Going concern
RAINY DAY TRUST	£173k	—	above	—	no doubt
DAYSPRING CHURCH TRUST FY2025	£55k	—	above	—	no doubt
RAINBOW SERVICES (HARLOW) FY2026	£687k	—	unclear	—	no doubt
THE RYE ART GALLERY TRUST FY2025	£160k	—	above	—	no doubt
CHILDREN TODAY CHARITABLE TRUST FY2025	£278k	—	unclear	—	noted
BURWELL AND DISTRICT DAY CENTRE TRUST FY2025	£165k	—	above	—	no doubt

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