SOUTH BANK STUDENTS' UNION LTD

Registered charity 1194509 · accounts filings on the Charity Commission register

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Latest income
£1.4m
Latest spending
£1.3m
Registered
2021
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net surplus of £98k for the year, with total income of £1,438k and expenditure of £1,340k. Net current assets increased to £601k, providing a sound margin of solvency where cash balances cover creditors by a factor of 8:1. However, total funds remain negative at £716k, primarily due to a significant pension deficit provision of £1,373k.

What the accounts disclose

Reserves position: below the charity's own stated reserves policy
As a result of the above, the total funds have increased by £98k, from a negative £814k to a negative £716k. — page 49
Per its FY2025 accounts as filed with the Charity Commission.
Governance: Internal control deficiency: no dual authorisation for bank payments
We noted that there was no dual authorisation in place for bank payments. The CEO, Finance Manager and Finance Officer all have access to the bank and have the ability to make bank payments without secondary approval.
Per its FY2025 accounts as filed with the Charity Commission.
Pension scheme deficit: £1.4m
Provisions for liabilities represents the calculated deficit funding contributions the Union must make in respect of the SUSS scheme. This has decreased from £1,418k to £1,373k. — page 49
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Knox Cropper LLP. Discloses 4 of 6 completeness components.

Structured financials (annual return, FY ending 31/07/2025)

Total income
£1.4m
Total spending
£1.3m
Cost of raising funds
£25k
Reserves (reported)
£601k
Employees
28

Reported reserves equal ~5.4 months of spending — above the median for charities its size (median 4.8 months; benchmarks).

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Trustees

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

Operates in: Southwark

Income and spending

Financial year endIncomeSpending
31/07/2025£1.4m£1.3m
31/07/2024£1.4m£1.3m
31/07/2023£1.3m£1.3m
31/07/2022£1.3m£1.3m

Common questions

Is SOUTH BANK STUDENTS' UNION LTD financially healthy?

The accounts state that the charity reported a net surplus of £98k for the year, with total income of £1,438k and expenditure of £1,340k. Net current assets increased to £601k, providing a sound margin of solvency where cash balances cover creditors by a factor of 8:1. However, total funds remain negative at £716k, primarily due to a significant pension deficit provision of £1,373k. Its FY2025 accounts were audited by Knox Cropper LLP.