THE RAF BENEVOLENT FUND HOUSING TRUST LIMITED

Registered charity 264636 · accounts filings on the Charity Commission register

Provision of housing for RAF personnel who face medical retirement from the RAF following a serious disabling accident or illness, and for the families of those who die whilst serving

Objects

TO SUPPORT AND ASSIST, THE ROYAL AIR FORCE BENEVOLENT FUND IN ITS CHARITABLE WORK AND IN PARTICULAR TO CARRY INTO EFFECT THE CHARITABLE OBJECTS OF THE FUND BY PURCHASING OWNING TAKING ON LEASE AND OTHERWISE PROVIDING HOUSING ACCOMMODATION FOR MEMBERS OR FORMER MEMBERS OF THE ROYAL AIR FORCE OR THE WIDOWS OR THE WIDOWS OR OTHER DEPENDANTS OF SUCH MEMBERS OR FORMER MEMBERS WHO ARE IN NEED PARTICULARLY OF ACCOMMODATION WHETHER THROUGH ILLNESS DISABLEMENT OR OTHERWISE.

Area of benefit: NOT DEFINED

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

Causes: Accommodation/housing · website · Get email alerts

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

Latest income
£3.3m
Latest spending
£1.9m
Registered
1972
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a surplus of £1.4M for the year ended 31 December 2025, driven largely by profits on property disposals. However, the charity holds free reserves of £0.2M, which is below its stated policy target of £0.5M (six months of operating costs). The charity relies on continued institutional support and interest-free finance from its parent charity, The Royal Air Force Benevolent Fund, to maintain going concern status despite a net current liability position.

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

What the accounts disclose

Largest income source: Other activities (63% of income)
“Total income was £3.3M and included rental income of £1.2M (2024: £1.1M), the profit on the disposal of properties of £2.0M (2024: £980K) and bank interest of £35K (2024: £48K).” — page 6
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: six months operating costs (reserves figure: £200k)
“The minimum level of reserves held should be sufficient to cover about six months operating costs to fund the on-going programme of maintaining the Company’s property portfolio. The minimum requirement on 31 December 2025 was £0.5M”
Per its FY2025 accounts as filed with the Charity Commission.
Payments to trustees: Mr Emrys Rogers received a recharged portion of his salary from the Company.
“None of the Directors which are also considered trustees has received any remuneration or reimbursement of expenses from the Company with the exception of Mr Emrys Rogers who is one of the five people of which a portion of their salary is recharged to the Company.” — page 19
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Inter-company balance/loan from parent charity
“The Company maintains an inter-company balance with the RAF Benevolent Fund, its parent undertaking and the balance owed to the RAF Benevolent Fund as at 31 December 2025 was £7.1M (2024: £9.9M).” — page 19
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Crowe U.K LLP. Discloses 4 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Welsh Government (Social Landlords And Housing Associations). 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.

Corporate structure

Funders the charity credits

Named as funders/supporters on the charity’s own website (the charity’s claim, distinct from accounts-verified grants).

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)

4 registered titles in England and Wales held by the charity’s company or corporate body (4 freehold). All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

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

Total income
£3.3m
Total spending
£1.9m
Reserves (reported)
£16.4m
Employees
0

Reported reserves equal ~106.0 months of spending — in the top quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Other (63% 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).

Register events

Trustees · trustee networks

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

Operates in: Northern Ireland · Scotland · Throughout England And Wales

Income and spending

Financial year endIncomeSpending
31/12/2025£3.3m£1.9m
31/12/2024£2.2m£1.9m
31/12/2023£1.9m£1.8m
31/12/2022£3.3m£2.0m
31/12/2021£2.4m£1.7m

Common questions

Is THE RAF BENEVOLENT FUND HOUSING TRUST LIMITED financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a surplus of £1.4M for the year ended 31 December 2025, driven largely by profits on property disposals. However, the charity holds free reserves of £0.2M, which is below its stated policy target of £0.5M (six months of operating costs). The charity relies on continued institutional support and interest-free finance from its parent charity, The Royal Air Force Benevolent Fund, to maintain going concern status despite a net current liability position. Its FY2025 accounts were audited by Crowe U.K LLP.

Who funds THE RAF BENEVOLENT FUND HOUSING TRUST LIMITED?

Funders whose own accounts filings name THE RAF BENEVOLENT FUND HOUSING TRUST LIMITED as a grant recipient include THE ANNANDALE CHARITABLE TRUST.

Known funders

Grants to this charity found in funders’ own accounts filings.

FunderYearAmountPurpose (as stated by the funder)
THE ANNANDALE CHARITABLE TRUSTFY2025£3k
THE ANNANDALE CHARITABLE TRUSTFY2024£3k

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 ROYAL AIR FORCE DEPENDANTS FUND.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
THE RAF BENEVOLENT FUND HOUSING TRUST LIMITED£3.3m——unclear—no doubt
THE ROYAL AIR FORCE DEPENDANTS FUND FY2025£409k—0unclear—no doubt
THE ROYAL AIR FORCE BENEVOLENT FUND FY2025£27.7m—19unclear17.9%no doubt
THE ROYAL AIR FORCE BENEVOLENT FUND FY2025£2.4m—19unclear17.9%no doubt
THE ROYAL AIR FORCES ASSOCIATION - CORPORATE BODY FY2025£29.0m£100,001 - £110,000—below—no doubt
Army Benevolent Fund FY2026£13.7m——unclear—no doubt

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