THE PEARL EXCHANGE CI0

Registered charity 1203240 · accounts filings on the Charity Commission register · also known as THE PEARL EXCHANGE CIC

To act as a resource for young adults living in Cornwall and Devon by providing advice and assistance and organising programmes of creative and educational activities alongside counselling and mental health support.

Objects

1. TO ACT AS A RESOURCE FOR YOUNG ADULTS LIVING IN CORNWALL AND DEVON BY PROVIDING ADVICE AND ASSISTANCE AND ORGANISING PROGRAMMES OF CREATIVE AND EDUCATIONAL ACTIVITIES AS A MEANS OF:(A) ADVANCING IN LIFE AND HELPING YOUNG ADULTS BY DEVELOPING THEIR SKILLS, CAPACITIES AND CAPABILITIES TO ENABLE THEM TO PARTICIPATE IN SOCIETY AS INDEPENDENT, MATURE AND RESPONSIBLE INDIVIDUALS;(B) ADVANCING EDUCATION;(C) RELIEVING UNEMPLOYMENT;(D) PROVIDING RECREATIONAL AND LEISURE TIME ACTIVITY IN THE INTERESTS OF SOCIAL WELFARE FOR PEOPLE LIVING IN THE AREA OF BENEFIT WHO HAVE NEED BY REASON OF THEIR YOUTH, AGE, INFIRMITY OR DISABILITY, POVERTY OR SOCIAL AND ECONOMIC CIRCUMSTANCES WITH A VIEW TO IMPROVING THE CONDITIONS OF LIFE OF SUCH PERSONS.2. FOR THE PUBLIC BENEFIT TO RELIEVE THE NEEDS OF YOUNG ADULTS LIVING IN CORNWALL AND DEVON WHO ARE EXPERIENCING OR WHO ARE AT RISK OF EXPERIENCING POOR MENTAL HEALTH BY PROVIDING SUPPORT INCLUDING SUPPORT TO ACCESS FREE OR HIGHLY SUBSIDISED PROFESSIONAL THERAPY AND COUNSELLING.

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

Causes: Education/training · Arts/culture/heritage/science · website · Get email alerts

Registered contact address: Cornwall, South West, England (from the postcode on the register)

Latest income
£252k
Latest spending
£189k
Registered
2023
Accounts read
FY2026

Financial health, per its FY2026 accounts

The accounts state that the charity reported a surplus of £63,700 for the year ended 31 March 2026, with total income of £252,351 against total expenditure of £188,651. Free unrestricted reserves stood at £91,498, which the trustees confirm is in alignment with their policy of holding at least two months of running costs. The charity operates on a going concern basis with no material uncertainties identified.

Automated summary of the FY2026 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Reserves policy: two months of running costs (reserves figure: £91k)
“The Trustees aim to hold at least 2 months running costs as free reserves at any one time.” — page 9
Per its FY2026 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 5 of 6 completeness components.

Year-over-year changes

Comparing this charity’s FY2025 and FY2026 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.

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 31/03/2026

  • Volunteers: 10
  • 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 31/03/2025

  • Volunteers: 10
  • Government income: £30,771 — grants £30,771 (1); 14% of the £221,508 total gross income on the same return

Self-declared on the annual return for the financial year ending 31/03/2024

  • Volunteers: 5

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

Public fundraising profile: JustGiving — The Pearl Exchange (matched by registered charity number).

Public profiles (found on the charity’s own website): facebook · instagram

Trustees · trustee networks

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

Operates in: Throughout England

Income and spending

Financial year endIncomeSpending
31/03/2026£252k£189k
31/03/2025£222k£206k
31/03/2024£210k£144k

Common questions

Is THE PEARL EXCHANGE CI0 financially healthy?

Per its FY2026 accounts: The accounts state that the charity reported a surplus of £63,700 for the year ended 31 March 2026, with total income of £252,351 against total expenditure of £188,651. Free unrestricted reserves stood at £91,498, which the trustees confirm is in alignment with their policy of holding at least two months of running costs. The charity operates on a going concern basis with no material uncertainties identified. Its FY2026 accounts were independently examined.

Government & lottery funding

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

FunderDateAmountPurpose
The National Lottery Community Fund27/11/2025£125kThe Pearl Exchange

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 THE CHANGE PORTFOLIO.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE PEARL EXCHANGE CI0£252k—0above—no doubt
THE CHANGE PORTFOLIO FY2025£937k—0below—no doubt
DEPAUL UK FY2025£25.4m——above—no doubt
COUNSELLING AND SUPPORT FOR YOUNG PEOPLE FY2026£654k—0above—no doubt
Caring for Communities and People FY2026£13.0m——above—no doubt
STRING OF PEARLS FY2025£599k—0unclear—no doubt

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