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.

Objects

1) THE PREVENTION AND RELIEF OF POVERTY AND FINANCIAL HARDSHIP BY, BUT NOT LIMITED TO:A) PROVIDING SERVICES, ADVICE AND EDUCATION IN RELATION TO, BUT NOT LIMITED TO, MONEY MANAGEMENT AND BUDGETING ADVICE; ANDB) PROVIDING GRANTS, ITEMS, SUPPORT AND SERVICES TO CHARITIES OR OTHER ORGANISATIONS WORKING IN THE COMMUNITY TO PREVENT OR RELIEVE POVERTY AND FINANCIAL HARDSHIP; AND2) THE ADVANCEMENT OF EDUCATION IN COMMERCIAL AND FINANCIAL EDUCATION IF AND IN SO FAR AS SUCH PURPOSE SHALL BE CHARITABLE.

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 · Economic/community Development/employment · website · Get email alerts

Registered contact address: Lambeth, London, England (from the postcode on the register)

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

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
• Paying staff
• Risk management
• Safeguarding policy and procedures
• Safeguarding vulnerable beneficiaries
• Serious incident reporting policy and procedures
• Social media policy and procedures
• Trustee conflicts of interest policy and procedures
• Trustee expenses 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.

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

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).

• Church Urban Fund — “The Just Finance Foundation is a subsidiary of the Church Urban Fund” (source page)

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 7.2 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 (3.2%) (benchmarks).

Trustees · trustee networks

• Christopher James Cummingschair
• Alison Esther Grieve · trustee of 5 other charities
• Benjamin Carl Lucas
• Christopher Frederick Hill
• Emma Maree Cleveland
• Rachel Louisa Elwell · trustee of 1 other charity
• Right Reverend Mark Wroe BA Hons MA · trustee of 2 other charities

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

Operates in: Throughout England And Wales

Income and spending

Common questions

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 FFCC LIMITED.

• FFCC LIMITED income £695k
• THE JD FOUNDATION income £2.5m
• Rooted Finance Limited income £468k
• FOUNDATION MATTERS income £366k
• LIVERPOOL CORPORATION CITY JUSTICES POOR FUND OR THE LORD MAYOR'S NO 2 (CHARITY) ACCOUNT income £96k
• LAW CENTRES FEDERATION income £1.1m

Side by side with its peers

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