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STUMPWELL HOUSING ASSOCIATION LIMITED

Registered charity 1205894 · accounts filings on the Charity Commission register

Provision of a care home for the elderly in Penn and the surround district of Buckinghamshire.

Objects

THE CHARITY'S OBJECTS ARE SPECIFICALLY RESTRICTED TO THE FOLLOWING:TO CARRY ON FOR THE BENEFIT OF THE INHABITANTS OF,IN THE FOLLOWING ORDER OF PRIORITY,(A) THE VILLAGES OF PENN AND THE SURROUNDING VILLAGES OF TYLERS GREEN, PENN STREET, WINCHMORE HILL, FORTY GREEN AND KNOTTY GREEN IN THE COUNTY OF BUCKINGHAMSHIRE, ENGLAND (PENN VILLAGES);(B) OR, FAILING IDENTIFICATION OF SUITABLE RECIPIENTS IN THE PENN VILLAGES, FOR THE BENEFIT OF THE INHABITANTS OF THE COUNTY OF BUCKINGHAMSHIRE, ENGLAND;(C) OR, FAILING IDENTIFICATION OF SUITABLE RECIPIENTS IN THE COUNTY OF BUCKINGHAMSHIRE, FOR THE BENEFIT OF ANY OTHER SUITABLE APPLICANT RESIDING IN THE UNITED KINGDOM;OR WHATEVER VILLAGE, COUNTY OR OTHER REGIONAL DIVISION MOST CLOSELY REPLACES AND/OR REPRESENTS THOSE AREAS, THE BUSINESS OF PROVIDING HOUSING AND ANY ASSOCIATED AMENITIES FOR OLD PERSONS IN NECESSITOUS CIRCUMSTANCES UPON TERMS APPROPRIATE TO THEIR MEANS.

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

Causes: Disability · website · Get email alerts

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

Latest income
£1.1m
Latest spending
£1.0m
Registered
2023
Accounts read
FY2026

Financial health, per its FY2026 accounts

The accounts state that the charity generated a net operating surplus of £0.45m and holds unrestricted reserves of £11.9m. However, the trustees' reserves policy targets six months of operating costs (estimated at £5.0m), while the actual free reserves of £4.3m cover only four months. The charity maintains a strong liquidity position with £4.0m in cash and short-term deposits.

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

What the accounts disclose

Reserves position: below the charity's own stated reserves policy
“The actual value for the year ended March 2026 is £4.3m (last year: £4.0m), representing four months of operating costs (last FY: five months).”
Per its FY2026 accounts as filed with the Charity Commission.
Related-party transaction: Christian Alliance Trust Corporation Limited (CATC) is the custodian Trustee for all properties owned by Keychange. In the coming year, all properties are due to be transferred into the direct ownership of Keychange Charity, and CATC will be dissolved.
“Christian Alliance Trust Corporation Limited (CATC), which is a company limited by guarantee, is the custodian Trustee for all properties owned by Keychange. In the coming year, all properties are due to be transferred into the direct ownership of Keychange Charity, and CATC will be dissolved.” — page 44
Per its FY2026 accounts as filed with the Charity Commission.

Accounts audited by Sayer Vincent LLP. Discloses 4 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Care Quality Commission. This is the charity’s own declaration; it is not a rating and has not been verified by the Commission or 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

  • Government income: £290,600 — contracts £290,600 (6); 27% of the £1,067,451 total gross income on the same return

Self-declared on the annual return for the financial year ending 31/03/2025

  • Government income: £303,410 — contracts £300,040 (5), grants £3,370 (1); 30% of the £996,123 total gross income on the same return

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

  • Government income: £239,798 — contracts £239,798 (10); 27% of the £895,245 total gross income on the same return

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

Corporate structure

Leadership, per the charity’s website

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.

Company officers (Companies House)

Current officers of the charity’s own company per the Companies House register, cross-checked against the Charity Commission trustee list by name. A director not on the trustee list is usually a timing or naming difference between the two registers — check both records before drawing conclusions.

Official officers record.

Property (HM Land Registry)

1 registered title in England and Wales held by the charity’s company or corporate body (1 freehold). All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

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

Structured financials (annual return, FY ending 31/03/2026)

Total income
£1.1m
Total spending
£1.0m
Reserves (reported)
£0
Employees
0

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: Buckinghamshire

Income and spending

Financial year endIncomeSpending
31/03/2026£1.1m£1.0m
31/03/2025£996k£901k
31/03/2024£895k£913k

Common questions

Is STUMPWELL HOUSING ASSOCIATION LIMITED financially healthy?

Per its FY2026 accounts: The accounts state that the charity generated a net operating surplus of £0.45m and holds unrestricted reserves of £11.9m. However, the trustees' reserves policy targets six months of operating costs (estimated at £5.0m), while the actual free reserves of £4.3m cover only four months. The charity maintains a strong liquidity position with £4.0m in cash and short-term deposits. Its FY2026 accounts were audited by Sayer Vincent LLP.

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with PEACEHAVEN HOUSE.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
STUMPWELL HOUSING ASSOCIATION LIMITED£1.1m——below—no doubt
PEACEHAVEN HOUSE FY2025£2.4m—1unclear—no doubt
SUTTON AND CHEAM ELDERLY PEOPLE'S HOUSING ASSOCIATION FY2025£1.5m—0above—no doubt
SWINNERTON TRUST LIMITED FY2026£1000k—0unclear—no doubt
SOCIAL CARE HOUSING TRUST FY2025£831k—0unclear—no doubt
THE PRESTON TRUST HOMES CHARITY FY2025£183k—0above—no doubt

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