THE LIVERPOOL MERCHANTS' GUILD

Registered charity 206454 · accounts filings on the Charity Commission register

To relieve individuals who have been a professional or self employed person, a person who worked in a supervisory capacity, or a clerical or non manual worker and their dependents who are residing in Merseyside or who have so resided for a continuous period of not less than 15 years who are not less than 50 years of age and who are in conditions of need, hardship or distress

Causes: The Prevention Or Relief Of Poverty · website · Get email alerts

Latest income
£1.3m
Latest spending
£1.3m
Registered
1963
Accounts read
FY2024

Financial health, per its FY2024 accounts

The accounts state that the charity holds unrestricted reserves of £5,667,444, which the trustees consider to be approximately 51 months of expenditure against a policy target of 12 months. The charity is funded primarily by investment income of £1,491,287, which substantially covered charitable expenditure of £1,118,818, resulting in a net income increase of £3,089,627 for the year.

Automated summary of the FY2024 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Reserves policy: approximately 12 months expenditure (held: £5.7m)
“the Board of Management consider that a reasonable level of reserve would equate to approximately 12 months expenditure.” — page 7
Per its FY2024 accounts as filed with the Charity Commission.

Accounts audited by Mitchell Charlesworth (Audit) Limited. Discloses 5 of 6 completeness components.

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.

Structured financials (annual return, FY ending 31/12/2025)

Total income
£1.3m
Total spending
£1.3m
Cost of raising funds
£200k
Reserves (reported)
£6.0m
Employees
0

Reported reserves equal ~55.2 months of spending — in the top quarter for charities its size (median 4.8 months; benchmarks).

Per its annual return, largest income source: Investments (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: 15.1% of total income — above the median for charities its size (5.2%) (benchmarks).

Trustees · trustee networks

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

Operates in: Knowsley · Liverpool City · Sefton · St Helens · Wirral

Income and spending

Financial year endIncomeSpending
31/12/2025£1.3m£1.3m
31/12/2024£1.5m£1.3m
31/12/2023£1.6m£1.3m
31/12/2022£1.5m£1.4m
31/12/2021£1.5m£1.5m

Common questions

Is THE LIVERPOOL MERCHANTS' GUILD financially healthy?

Per its FY2024 accounts: The accounts state that the charity holds unrestricted reserves of £5,667,444, which the trustees consider to be approximately 51 months of expenditure against a policy target of 12 months. The charity is funded primarily by investment income of £1,491,287, which substantially covered charitable expenditure of £1,118,818, resulting in a net income increase of £3,089,627 for the year. Its FY2024 accounts were audited by Mitchell Charlesworth (Audit) Limited.

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 HOLBEACH AND EAST ELLOE HOSPITAL TRUST.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE LIVERPOOL MERCHANTS' GUILD£1.3m—0above—no doubt
HOLBEACH AND EAST ELLOE HOSPITAL TRUST FY2025£2.4m—0unclear—no doubt
MERSEYSIDE SOCIETY FOR DEAF PEOPLE FY2025£1.1m—0above—no doubt
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF BRIGHTON, ST PETER FY2024£1.5m—0above—no doubt
THE CARERS CENTRE FOR BRIGHTON AND HOVE LIMITED FY2025£668k—0unclear—no doubt
Kamelia Kids FY2025£1.7m—0below—no doubt

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