CHISWICK MONEY ADVICE CENTRE

Registered charity 1185550 · accounts filings on the Charity Commission register

Chiswick Money Advice Centre (CMAC) is an independent, community-focused charity working to alleviate poverty through the provision of comprehensive debt advice and accessible financial education. Our vision is centred on the whole person, meeting them at their point of need, and walking the journey with them until they get back on their feet. CMAC works in partnership with Crosslight Advice.

Objects

THE RELIEF OF FINANCIAL HARDSHIP OR POVERTY AMONGST PERSONS BY ANY SUCH MEANS THAT ARE EXCLUSIVELY CHARITABLE IN LAW, PARTICULARLY BUT NOT EXCLUSIVELY BY PROVIDING DEBT COUNSELLING AND ADJUSTING SERVICES, ADVICE AND ASSISTANCE IN FINANCIAL MATTERS.

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 · Get email alerts

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

Latest income

£27k

Latest spending

£57k

Registered

2019

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity operated at a net loss for the year, with total incoming resources of £26,603 against charitable expenditure of £56,999. The trustees confirm that the charity had no outstanding guarantees or debts secured on assets at the year end. The filing notes that staffing structures are changing in 2026, with staff moving to the partner charity Crosslight Advice, but confirms the Hounslow branch will continue to operate.

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

What the accounts disclose

Largest income source: Restricted Funding (56% of income)

“Total incoming resources for the period amounted to £26,603 (2024: £67,725). Resources expended on charitable activities were £56,999 (2024: £54,482).” — page 7

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Nicholas Lines is a trustee of Crosslight Advice as well as CMAC.

“Related parties Nicholas Lines is a trustee of Crosslight Advice as well as CMAC.” — page 7

“Crosslight Advice’s Hounslow branch through CMAC has a partnership with St Nicholas Chiswick and benefits from the use of free office and meeting facilities.” — page 7

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Crosslight Advice’s Hounslow branch through CMAC has a partnership with St Nicholas Chiswick and benefits from the use of free office and meeting facilities.

“Related parties Nicholas Lines is a trustee of Crosslight Advice as well as CMAC.” — page 7

“Crosslight Advice’s Hounslow branch through CMAC has a partnership with St Nicholas Chiswick and benefits from the use of free office and meeting facilities.” — page 7

Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 2 of 6 completeness components.

Year-over-year changes

Going concern: going-concern doubt noted (FY2024) → no going-concern doubt (FY2025).

Comparing this charity’s FY2024 and FY2025 accounts as analysed by this site.

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
Paying staff
Safeguarding policy and procedures
Safeguarding vulnerable beneficiaries
Serious incident reporting 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.

Self-declared on the annual return for the financial year ending 31/12/2025

Volunteers: 7
Government income: £15,000 — grants £15,000 (1); 56% of the £26,603 total gross income on the same return

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

Volunteers: 6
Government income: £22,000 — grants £22,000 (1); 32% of the £67,725 total gross income on the same return

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

Volunteers: 8
Government income: £8,500 — grants £8,500 (1); 23% of the £36,225 total gross income on the same return

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

Trustees · trustee networks

NICHOLAS WILLIAM LINESchair · trustee of 3 other charities
Barbara Anne Walton · trustee of 1 other charity
Susan Lynley Welsh

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

Operates in: Ealing · Hammersmith And Fulham · Hillingdon · Hounslow · Kensington And Chelsea · Kingston Upon Thames · Richmond Upon Thames · Wandsworth

Income and spending

Financial year end	Income	Spending
31/12/2025	£27k	£57k
31/12/2024	£68k	£54k
31/12/2023	£36k	£38k
31/12/2022	£58k	£26k
31/12/2021	£12k	£13k

Common questions

Is CHISWICK MONEY ADVICE CENTRE financially healthy?

Per its FY2025 accounts: The accounts state that the charity operated at a net loss for the year, with total incoming resources of £26,603 against charitable expenditure of £56,999. The trustees confirm that the charity had no outstanding guarantees or debts secured on assets at the year end. The filing notes that staffing structures are changing in 2026, with staff moving to the partner charity Crosslight Advice, but confirms the Hounslow branch will continue to operate. Its FY2025 accounts were independently examined.

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
SOCIETY OF THE HOLY CHILD JESUS CIO	1	£54k
THE MAURICE AND HILDA LAING CHARITABLE TRUST	1	£44k
HAMPTON FUEL ALLOTMENT	1	£39k
THE ALAN EDWARD HIGGS CHARITY	1	£30k
Richmond Foundation	1	£28k
HAMMERSMITH UNITED CHARITIES	1	£25k
DRAPERS CHARITABLE FUND	1	£25k
WALCOT EDUCATIONAL FOUNDATION	1	£24k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with CROSSLIGHT ADVICE.

CROSSLIGHT ADVICE income £807k
COMMUNITY MONEY ADVICE LTD income £512k
PRESCOT & WHISTON COMMUNITY ADVICE CENTRE income £110k
TW MONEY ADVICE SERVICE income £52k
CHRISTIAN MISSION CHURCH income £42k
PADDOCK WOOD COMMUNITY ADVICE CENTRE income £82k

Side by side with its peers

Charity	Income	Top pay band	Staff >£60k	Reserves vs policy	Fundraising cost	Going concern
CHISWICK MONEY ADVICE CENTRE	£27k	—	—	unclear	—	no doubt
CROSSLIGHT ADVICE FY2025	£807k	—	0	below	—	no doubt
COMMUNITY MONEY ADVICE LTD FY2025	£512k	—	0	below	—	no doubt
PRESCOT & WHISTON COMMUNITY ADVICE CENTRE FY2026	£110k	—	0	unclear	—	no doubt
TW MONEY ADVICE SERVICE FY2025	£52k	—	—	unclear	—	no doubt
CHRISTIAN MISSION CHURCH FY2025	£42k	—	—	unclear	—	no doubt

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