JUST FINANCE FOUNDATION
Registered charity 1172050 · accounts filings on the Charity Commission register
The vision of Just Finance Foundation is a fair financial system serving the community. We aim to increase the supply of affordable finance, build financial capability & access to fair financial services, equip future generations to manage their money and develop fair financial systems in local communities through our work in Liverpool, London, the North East, the Black Country and across England.
Causes: Education/training · The Prevention Or Relief Of Poverty · Economic/community Development/employment · website · Get email alerts
Financial health, per its FY2025 accounts
The accounts state that total income decreased to £437k from £594k in the prior year, while total expenditure was £501k, resulting in a net deficit for the period. Unrestricted reserves fell to £185k, which the trustees describe as satisfactory for current needs, and the charity remains a going concern with no material uncertainties.
Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.
What the accounts disclose
Reserves policy: adequate level of unrestricted funding (held: £185k)
“The charity’s strategy is to build up its reserves in the medium and longer term to ensure an adequate level of unrestricted funding is available to spend on its charitable purposes in the future.” — page 23
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Payment to parent charity for shared central service costs
“Just Finance Foundation paid £50k (2024: £50k) to Church Urban Fund towards the shared central service costs provided by CUF on behalf of JFF.” — page 35
“At the year end, there was an intercompany balance of £17k owed to Church Urban Fund (2024: £12k owed by CUF).” — page 35
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Intercompany balance owed to parent charity
“Just Finance Foundation paid £50k (2024: £50k) to Church Urban Fund towards the shared central service costs provided by CUF on behalf of JFF.” — page 35
“At the year end, there was an intercompany balance of £17k owed to Church Urban Fund (2024: £12k owed by CUF).” — page 35
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Trustee overlap with parent charity
“Just Finance Foundation paid £50k (2024: £50k) to Church Urban Fund towards the shared central service costs provided by CUF on behalf of JFF.” — page 35
“At the year end, there was an intercompany balance of £17k owed to Church Urban Fund (2024: £12k owed by CUF).” — page 35
Per its FY2025 accounts as filed with the Charity Commission.
Accounts independently examined (not a full audit). Discloses 5 of 6 completeness components.
Public fundraising profile: JustGiving — Just Finance Foundation (matched by registered charity number).
Funders the charity credits
Named as funders/supporters on the charity’s own website (the charity’s claim, distinct from accounts-verified grants).
Public profiles (found on the charity’s own website): facebook · instagram
Structured financials (annual return, FY ending 31/12/2024)
Reported reserves equal ~5.2 months of spending — below the median for charities its size (median 7.0 months; benchmarks).
Per its annual return, largest income source: Donations and legacies (95% 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 (2.9%) (benchmarks).
Trustee list from the Charity Commission register (current, not historical).
Operates in: Throughout England And Wales
Income and spending
Common questions
Is JUST FINANCE FOUNDATION financially healthy?
Per its FY2025 accounts: The accounts state that total income decreased to £437k from £594k in the prior year, while total expenditure was £501k, resulting in a net deficit for the period. Unrestricted reserves fell to £185k, which the trustees describe as satisfactory for current needs, and the charity remains a going concern with no material uncertainties. Its FY2025 accounts were independently examined.
Who funds JUST FINANCE FOUNDATION?
Funders whose own accounts filings name JUST FINANCE FOUNDATION as a grant recipient include THE LOVINGTON FOUNDATION.
Known funders
Grants to this charity found in funders’ own accounts filings.
Government & lottery funding
Grants to this charity published as open data by government and lottery funders (360Giving).
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 JUSTLIFE FOUNDATION.
Side by side with its peers
Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.