CUMBRIA COMMUNITY HOMES

Registered charity 1184991 · accounts filings on the Charity Commission register

Significant activitiesTo provide good quality accommodation to vulnerable adults in the community meeting their individual needs. We helppeople in Barrow, Ulverston, Askam and Kendal and are looking to expand into other areas in the future.To help those who are homeless or at risk of homelessness, individuals who struggle with mental or physical health orwith a learning difficulty.

Objects

THE CHARITY IS FORMED FOR THE BENEFIT OF THE COMMUNITY. ITS CHARITABLE OBJECTS (‘THE OBJECTS’) SHALL BE TO CARRY ON FOR THE BENEFIT OF THE COMMUNITY:(1) THE BUSINESS OF PROVIDING AND MANAGING HOUSING, INCLUDING SOCIAL HOUSING, AND PROVIDING ASSISTANCE TO HELP HOUSE PEOPLE AND ASSOCIATED FACILITIES, AMENITIES AND SERVICES FOR PERSONS IN NEED BECAUSE OF YOUTH, AGE, ILL-HEALTH, DISABILITY, FINANCIAL HARDSHIP OR OTHER DISADVANTAGE;(2) SUCH OTHER EXCLUSIVELY CHARITABLE PURPOSES ACCORDING TO THE LAW OF ENGLAND AND WALES AS DETERMINED BY THE TRUSTEES.

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

Causes: General Charitable Purposes · Disability · Accommodation/housing · Get email alerts

Registered contact address: Westmorland and Furness, North West, England (from the postcode on the register)

Latest income
£4.0m
Latest spending
£3.8m
Registered
2019
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net surplus of £204,548 for the year ended 30 June 2025, significantly improving upon the previous year's surplus. However, the charity remains in a net liabilities position with unrestricted funds at a deficit of £71,877, a substantial reduction from the £276,425 deficit in the prior year. The trustees confirm that the accounts have been prepared on a going concern basis, citing measures taken to ensure future financial stability.

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

What the accounts disclose

Reserves position: below the charity's own stated reserves policy
“By the end of June 2025 the Charity showed a deficit of funds of £71,877”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Maintenance payments to a relative of Trustee Amanda Stevens.
“Included in maintenance costs are payments made to a relative of Amanda Stevens totalling £35,380 (2024: £19,864). These fees were for maintenance services provided to the Charity's rented properties during the year” — page 19
Per its FY2025 accounts as filed with the Charity Commission.
Governance: Governance failure: only one trustee in place, contrary to governing document.
“The current trustee is aware that at present there is only one trustee which is not in accordance with the governing document.” — page 5
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Collards. Discloses 4 of 6 completeness components.

Charity Commission inquiry

The Charity Commission opened a statutory inquiry into Cumbria Community Homes due to concerns regarding the absence of a functioning trustee board and late filing of financial information. The regulator has restricted the charity's transactions to prevent property disposal without consent, but no final conclusions or outcomes have been reached.
The report states the inquiry is ongoing and no conclusions have been reached. Therefore, no specific findings of misconduct are listed, only the concerns that triggered the inquiry.
“The Commission’s engagement with the charity has highlighted regulatory concerns including the absence of a functioning trustee board and late filing of financial information.”
The report details the specific scope of the investigation regarding governance.
“The inquiry will examine the administration, governance and management of the charity and in particular: whether the charity has a sufficient number of trustees who are willing and capable of managing it”
The report details the financial aspect of the inquiry scope.
“the financial management of the charity and whether funds have been properly expended in accordance with its governing document and can be accounted for”
Per the Commission’s published report. Summary is automated; the official report is authoritative.

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.

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 30/06/2025

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

Self-declared on the annual return for the financial year ending 30/06/2024

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

Self-declared on the annual return for the financial year ending 30/06/2023

  • Government income: £10,500 — grants £10,500 (1); under 1% of the £4,126,803 total gross income on the same return
  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

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

Annual return filing dates (Charity Commission record)

Of its last 5 annual returns with a recorded received date, 5 were received after the due date: year ending 30/06/2025 (received 12/08/2026, 104 days after the 30/04/2026 due date); year ending 30/06/2024 (received 16/12/2025, 230 days after the 30/04/2025 due date); year ending 30/06/2023 (received 11/06/2025, 407 days after the 30/04/2024 due date); year ending 30/06/2022 (received 29/08/2024, 487 days after the 30/04/2023 due date); year ending 30/06/2021 (received 02/09/2022, 125 days after the 30/04/2022 due date).

Due and received dates as recorded in the Commission’s annual-return data; the data does not say whether an extension was agreed. Source: this charity’s annual returns on the Charity Commission register.

Property (HM Land Registry)

30 registered titles in England and Wales held by the charity’s company or corporate body (0 freehold). All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Structured financials (annual return, FY ending 30/06/2025)

Total income
£4.0m
Total spending
£3.8m
Reserves (reported)
£0
Employees
37

Reported reserves equal ~0.0 months of spending — in the bottom quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Charitable activities (100% 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 (5.3%) (benchmarks).

Trustees · trustee networks

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

Operates in: Cumbria

Income and spending

Financial year endIncomeSpending
30/06/2025£4.0m£3.8m
30/06/2024£4.3m£4.2m
30/06/2023£4.1m£4.4m
30/06/2022£3.1m£3.2m
30/06/2021£1.3m£1.3m

Common questions

Is CUMBRIA COMMUNITY HOMES financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a net surplus of £204,548 for the year ended 30 June 2025, significantly improving upon the previous year's surplus. However, the charity remains in a net liabilities position with unrestricted funds at a deficit of £71,877, a substantial reduction from the £276,425 deficit in the prior year. The trustees confirm that the accounts have been prepared on a going concern basis, citing measures taken to ensure future financial stability. Its FY2025 accounts were audited by Collards.

Who funds CUMBRIA COMMUNITY HOMES?

Funders whose own accounts filings name CUMBRIA COMMUNITY HOMES as a grant recipient include THE HAROLD AND ALICE BRIDGES CHARITY.

Known funders

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

FunderYearAmountPurpose (as stated by the funder)
THE HAROLD AND ALICE BRIDGES CHARITYFY2023£2k
THE HAROLD AND ALICE BRIDGES CHARITYFY2024Unverified readamount not stated

Grants marked “Unverified read” were flagged by automated checks as possibly misread from the funder’s filed accounts. They are listed, but left out of the totals, counts and funder relationships this site computes.

Government & lottery funding

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

FunderDateAmountPurpose
The National Lottery Community Fund28/10/2022£10kActivities Worker

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 SUPPORTING COMMUNITIES.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
CUMBRIA COMMUNITY HOMES£4.0m—0below—no doubt
SUPPORTING COMMUNITIES FY2025£176k—0unclear—no doubt
CUMBRIA COMMUNITY FOUNDATION FY2025£11.5m——unclear—no doubt
Boroughbridge Community Charity FY2026£83k——above—no doubt
CUMBRIA COMMUNITY TRANSPORT FY2025£174k—0unclear—no doubt
COMMUNITY ACCOMMODATION GROUP FY2024£5.0m—0below—no doubt

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