RETIRED BAPTIST MINISTERS HOUSING ORGANISATION

Registered charity 1177649 · accounts filings on the Charity Commission register · also known as RBMHO

RBMHO exists to meet the ever increasing need of, and bring relief to, accredited Baptist Ministers and Rev spouses who need safe and secure homes in the years following retirement from pastoral service, having been in service in excess of 15 years, (18 years in churches in union with BUGB) or Baptist Missionaries who have served BMS World Mission primarily outside of the UK for at least 15 years.

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Latest income

£3.0m

Latest spending

£3.3m

Registered

2018

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported an operating deficit of £946,534 for the year, resulting in an overall deficit of £277,276 which was withdrawn from reserves. Per the trustees' report, free reserves of £1,624,754 remain well above the stated policy requirement of £468,000, providing a surplus of £1,156,754. The trustees consider the level of reserves acceptable and anticipate using any substantial surplus to pay down the charity's debts.

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

What the accounts disclose

Largest income source: Rent income (34% of income)

“Rent income increased to £779,695 (2024: £719,206) an increase of 8.4%.”

Per its FY2025 accounts as filed with the Charity Commission.

Reserves policy: 3 months’ core operating costs (£71,000), 1 year’s maintenance costs (£279,000), 1 year’s ground rents (£1,000), and 5% of Interest Free Loans (£117,000), totaling £468,000 (held: £1.6m)

“This gives a free reserves requirement of £468,000. As at 31 December 2025, the Charity had free reserves of £1,624,754, a surplus of £1,156,754 above the minimum requirement of £468,000.” — page 8

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Trustees Revd A Miles and Rev A A Peck paid rent for properties owned by the Charity.

“During the year ended 31 December 2025, two Trustees, the Revd A Miles and RevA A Peck, occupied, on the same terms and conditions as the other tenants of the Charity, a property owned by the Charity. During the year ended 31 December 2025, the two trustees each paid rent at the average rate for all tenants amounting to £8,439 (2024: £5,487) and there were no arrears of rent at that date.” — page 26

“A total of £226 was paid to 5 Trustees in reimbursement of travelling and subsistence expenses whilst acting in their capacity as Trustees (2024: £662 to 4 Trustees).” — page 26

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Trustees reimbursed for expenses.

“During the year ended 31 December 2025, two Trustees, the Revd A Miles and RevA A Peck, occupied, on the same terms and conditions as the other tenants of the Charity, a property owned by the Charity. During the year ended 31 December 2025, the two trustees each paid rent at the average rate for all tenants amounting to £8,439 (2024: £5,487) and there were no arrears of rent at that date.” — page 26

“A total of £226 was paid to 5 Trustees in reimbursement of travelling and subsistence expenses whilst acting in their capacity as Trustees (2024: £662 to 4 Trustees).” — page 26

Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Moore Kingston Smith LLP. Discloses 5 of 6 completeness components.

Leadership, per the charity’s website

Revd Andy Hughes — General Manager (source)
Revd Andy Hughes — Director and Company Secretary (source)
Joe Cleaver — Operations and Property Manager (source)

Listed on the charity’s own website when we last crawled it; roles may have changed. Pay-band disclosures above are anonymous statutory disclosures and are not attributed to any named individual.

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

Total income

£3.0m

Total spending

£3.3m

Reserves (reported)

£1.6m

Employees

Reported reserves equal ~6.0 months of spending — above the median for charities its size (median 4.8 months; benchmarks).

Register events

Received assets from another charity (23/10/2022) — per the register’s event history; asset transfers typically record mergers or reorganisations.
Received assets from another charity (14/09/2019) — per the register’s event history; asset transfers typically record mergers or reorganisations.

Trustees · trustee networks

Christopher John Jones
Jennifer Stewart
John David Levick · trustee of 5 other charities
Lee Grenville Johnson · trustee of 1 other charity
Rachel Tole · trustee of 2 other charities
Rev Andrew Miles
Rev Anthony Alfred Peck · trustee of 1 other charity
Rev GORDON EDWARD HINDMARCH
Rev PHILIP ANDREW JUMP · trustee of 9 other charities
TIMOTHY JOHN WALKER · trustee of 5 other charities

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	£3.0m	£3.3m
31/12/2024	£4.8m	£3.6m
31/12/2023	£4.4m	£2.7m
31/12/2022	£2.1m	£1.6m
31/12/2021	£2.1m	£1.3m

Common questions

Is RETIRED BAPTIST MINISTERS HOUSING ORGANISATION financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported an operating deficit of £946,534 for the year, resulting in an overall deficit of £277,276 which was withdrawn from reserves. Per the trustees' report, free reserves of £1,624,754 remain well above the stated policy requirement of £468,000, providing a surplus of £1,156,754. The trustees consider the level of reserves acceptable and anticipate using any substantial surplus to pay down the charity's debts. Its FY2025 accounts were audited by Moore Kingston Smith LLP.