BIKUR CHOLIM AND GEMILUTH CHESED TRUST

Registered charity 326019 · accounts filings on the Charity Commission register · also known as B C G C T

The three main areas of direct charitable activity are :-1. Direct grants and food support for families on low income.2. Direct grants to individuals to support further religious education.3. Direct grants to newly married couples and their families on low income.The split between institutional and individual grants is as set out in the accounts.

Objects

SUCH CHARITABLE PURPOSES AS THE TRUSTEES MAY FROM TIME TO TIME AT THEIR ABSOLUTE DISCRETION THINK FIT.

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: General Charitable Purposes · Education/training · The Prevention Or Relief Of Poverty · Religious Activities · Grant history (this charity is a funder) · Get email alerts

Registered contact address: Salford, North West, England (from the postcode on the register)

Latest income
£1.3m
Latest spending
£1.2m
Registered
1982
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported a net income of £120,929 for the year ended 30 April 2025, resulting in total unrestricted funds of £2,245,479. However, the charity holds net current liabilities of £271,132, a situation the trustees attribute to an interest-free loan from a trustee which is not expected to be called in. The trustees consider the current level of reserves acceptable given the nature of revenue receipts against grants payable.

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

What the accounts disclose

Reserves policy: the current assets of the charity (reserves figure: £2.2m)
“In considering the financial obligations of the charity, the trustees have resolved to maintain a minimum reserve, being the current assets of the charity.” — page 7
Per its FY2025 accounts as filed with the Charity Commission.
Going concern: noted by the trustees or auditor
“The trustees consider that going concern is not an issue despite the net current liabilities, as creditors include an interest free loan of £278,898 from one of the trustees who has confirmed that they will not call in the loan to the detriment of the cash flow of the charity.”
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Haffner Hoff Auditors Ltd. Discloses 4 of 6 completeness components.

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 30/04/2025

  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 30/04/2024

  • Grant-making is its main activity

Self-declared on the annual return for the financial year ending 05/04/2023

  • Grant-making is its main activity

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

Structured financials (annual return, FY ending 30/04/2025)

Total income
£1.3m
Total spending
£1.2m
Cost of raising funds
£681
Reserves (reported)
£2.2m
Employees
0

Reported reserves equal ~22.1 months of spending — in the top quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Donations and legacies (93% 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: 0.1% 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: Salford City

Income and spending

Financial year endIncomeSpending
30/04/2025£1.3m£1.2m
30/04/2024£1.3m£1.3m
05/04/2023£1.3m£1.4m
05/04/2022£1.0m£1.3m
05/04/2021£1.0m£1.2m

Common questions

Is BIKUR CHOLIM AND GEMILUTH CHESED TRUST financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported a net income of £120,929 for the year ended 30 April 2025, resulting in total unrestricted funds of £2,245,479. However, the charity holds net current liabilities of £271,132, a situation the trustees attribute to an interest-free loan from a trustee which is not expected to be called in. The trustees consider the current level of reserves acceptable given the nature of revenue receipts against grants payable. Its FY2025 accounts were audited by Haffner Hoff Auditors Ltd.

Who funds BIKUR CHOLIM AND GEMILUTH CHESED TRUST?

Funders whose own accounts filings name BIKUR CHOLIM AND GEMILUTH CHESED TRUST as a grant recipient include ACHISOMOCH AID COMPANY LIMITED, SAMJO LIMITED, OIZER CHARITABLE TRUST, YEMIN CHARITABLE TRUST LTD, SHEMTOV CHARITABLE TRUST.

Known funders

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

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 CHAIM BECHESED.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
BIKUR CHOLIM AND GEMILUTH CHESED TRUST£1.3m—0unclear—noted
CHAIM BECHESED FY2025£976k—0unclear—no doubt
BIKUR CHOLIM LIMITED FY2025£4.6m—0unclear—no doubt
GEMILUTH CHESED AND BRIDES SOCIETY FY2025£194k——unclear—no doubt
CHESED CHARITY TRUST FY2025£988k—0unclear—no doubt
CHAI NETWORK FY2025£246k—0below—noted

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