KREDITOR CHARITABLE TRUST
To advance religion in accordance with the Orthodox Jewish Faith and to support other charitable activities as are recognised under English Law.
Objects
FOR OR TO SUCH LEGALLY CHARITABLE PURPOSE OR PURPOSES OR LEGALLY CHARITABLE INSTITUTION OR INSTITUTIONS IN THE UNITED KINGDOM OR ELSEWHERE INCLUDING THE RELIEF OF POVERTY AND THE ADVANCEMENT OF THE JEWISH RELIGION AND THE STUDY OF THE TORAH AS THE TRUSTEES SHALL AT SUCH DISCRETION AS AFORESAID SELECT.
Financial health, per its FY2025 accounts
The accounts state that unrestricted reserves stood at £198,873, representing a net excess of income over expenditure for the year. The trustees report that funds are sufficient to permit the Trust to continue in operation in the medium term. No independent audit was required, with an independent examination conducted instead.
What the accounts disclose
“Gift aid contributions from individuals & companies 50,000”
“The trustees endeavor to maintain sufficient funding to meet six months charitable expenditure based on the previous six months charitable awards.” — page 3
Policies the charity declares
- Bullying and harassment policy and procedures
- Complaints handling
- Complaints policy and procedures
- Financial reserves policy and procedures
- Internal charity financial controls policy and procedures
- Internal risk management policy and procedures
- Investing charity funds policy and procedures
- Investment
- Risk management
- Safeguarding policy and procedures
- Safeguarding vulnerable beneficiaries
- Serious incident reporting policy and procedures
- Trustee conflicts of interest policy and procedures
- Trustee expenses policy and procedures
From the charity’s annual return (Part A, self-declared)
Self-declared on the annual return for the financial year ending 05/04/2025
- Grant-making is its main activity
Self-declared on the annual return for the financial year ending 05/04/2024
- Grant-making is its main activity
Annual return filing dates (Charity Commission record)
Of its last 5 annual returns with a recorded received date, 2 were received after the due date: year ending 05/04/2024 (received 07/04/2025, 61 days after the 05/02/2025 due date); year ending 05/04/2021 (received 22/01/2023, 351 days after the 05/02/2022 due date).
Trustees
- Ayala Werjuka
- PAUL MARCEL KREDITOR
- SHARON KREDITOR
Income and spending
| Financial year end | Income | Spending |
|---|---|---|
| 05/04/2025 | £86k | £65k |
| 05/04/2024 | £120k | £87k |
| 05/04/2023 | £60k | £143k |
| 05/04/2022 | £185k | £76k |
| 05/04/2021 | £87k | £43k |
Common questions
Is KREDITOR CHARITABLE TRUST financially healthy?
Per its FY2025 accounts: The accounts state that unrestricted reserves stood at £198,873, representing a net excess of income over expenditure for the year. The trustees report that funds are sufficient to permit the Trust to continue in operation in the medium term. No independent audit was required, with an independent examination conducted instead. Its FY2025 accounts were independently examined.
Funders of similar charities
| Funder | Similar charities funded | Amount to them |
|---|---|---|
| TRUMROS LIMITED | 1 | £161k |
| C E K STERN CHARITABLE TRUST | 1 | £35k |
| AHAVAS SHALOM TRUST | 1 | £7k |
Charities like this
- S K CHARITABLE TRUST
- YATZIV TRUST
- KTRUST LIMITED
- MEJAAI CHARITABLE TRUST
- PREMIERQUOTE LIMITED
- MOSART CHARITABLE TRUST
Side by side with its peers
| Charity | Income | Top pay band | Staff >£60k | Reserves vs policy | Fundraising cost | Going concern |
|---|---|---|---|---|---|---|
| KREDITOR CHARITABLE TRUST | £86k | — | 0 | unclear | — | no doubt |
| S K CHARITABLE TRUST | £232k | — | 0 | above | — | no doubt |
| YATZIV TRUST | £184k | — | 0 | unclear | — | no doubt |
| KTRUST LIMITED | £240k | Under £60,000 | 0 | unclear | — | no doubt |
| MEJAAI CHARITABLE TRUST | £77k | — | 0 | unclear | — | no doubt |
| PREMIERQUOTE LIMITED | £1.3m | — | 0 | above | — | no doubt |