Charity Accounts Intelreading the accounts so you don’t have to

TALKING MONEY

Registered charity 900311 · accounts filings on the Charity Commission register · also known as B D A C, BDAC, BRISTOL DEBT ADVICE CENTRE

Provide free, independent, specialist debt advice to individuals and their families. Provide energy debt and efficiency advice, benefits and income maximisation advice.Provide money mentoring support via our self-help service, appointments and group workshops.Services can be delivered face-to-face for people living in Bristol and the surrounding area, and by phone or email across England.

Causes: Education/training · The Prevention Or Relief Of Poverty · Economic/community Development/employment · website · Get email alerts

Latest income
£620k
Latest spending
£549k
Registered
1990
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity generated a total surplus of £71,423 for the year ended 31 March 2025, with unrestricted income growing to £81,852. Total liquid reserves were reported at £246,562, which is well above the stated minimum policy requirement of £121,116. The trustees confirm that the charity has adequate resources to continue trading for the foreseeable future with no material uncertainties regarding going concern.

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

What the accounts disclose

Reserves policy: minimum of an amount equal to the total accrued redundancy liability of the organisation (should all staff have to be made redundant) plus one year’s property costs plus a contingency of 10% (held: £247k)
“The current policy is that liquid reserves should be a minimum of an amount equal to the total accrued redundancy liability of the organisation (should all staff have to be made redundant) plus one year’s property costs plus a contingency of 10%. This figure was £121,116 [2024: £101,516] at 31 March 2025”
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Trustees' expenses reimbursed
“None of the Trustees receive remuneration or other benefit from their work with Talking Money. In the current year other than reimbursed expenses disclosed in note 9, no other related party transactions took place with the Trustees.” — page 15
Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 5 of 6 completeness components.

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.

Structured financials (annual return, FY ending 31/03/2025)

Total income
£620k
Total spending
£549k
Reserves (reported)
£247k
Employees
13

Reported reserves equal ~5.4 months of spending — above the median for charities its size (median 5.2 months; benchmarks).

Per its annual return, largest income source: Charitable activities (87% 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 (4.9%) (benchmarks).

Trustees · trustee networks

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

Operates in: Throughout England

Income and spending

Financial year endIncomeSpending
31/03/2025£620k£549k
31/03/2024£543k£501k
31/03/2023£526k£522k
31/03/2022£811k£799k
31/03/2021£992k£995k

Common questions

Is TALKING MONEY financially healthy?

Per its FY2025 accounts: The accounts state that the charity generated a total surplus of £71,423 for the year ended 31 March 2025, with unrestricted income growing to £81,852. Total liquid reserves were reported at £246,562, which is well above the stated minimum policy requirement of £121,116. The trustees confirm that the charity has adequate resources to continue trading for the foreseeable future with no material uncertainties regarding going concern. Its FY2025 accounts were independently examined.

Who funds TALKING MONEY?

Funders whose own accounts filings name TALKING MONEY as a grant recipient include JOHN JAMES BRISTOL FOUNDATION, THE NISBET TRUST, THE VAN NESTE FOUNDATION, THE ANTON JURGENS CHARITABLE TRUST.

Known funders

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

FunderYearAmountPurpose (as stated by the funder)
JOHN JAMES BRISTOL FOUNDATIONFY2025£25kReducing financial and food poverty
JOHN JAMES BRISTOL FOUNDATIONFY2022£20kHealth
THE NISBET TRUSTFY2023£20k
JOHN JAMES BRISTOL FOUNDATIONFY2023£20kHealth
THE NISBET TRUSTFY2024£20k
THE NISBET TRUSTFY2021£10k
THE NISBET TRUSTFY2022£10k
THE VAN NESTE FOUNDATIONFY2024£10k
THE VAN NESTE FOUNDATIONFY2025£10k
THE VAN NESTE FOUNDATIONFY2023£7k
THE ANTON JURGENS CHARITABLE TRUSTFY2023£4k
THE ANTON JURGENS CHARITABLE TRUSTFY2024£3k

Government & lottery funding

Grants to this charity published as open data by government and lottery funders (360Giving).

FunderDateAmountPurpose
The National Lottery Community Fund21/09/2022£354kWhole Person Approach
Postcode Lottery26/03/2022£19kMoney Advice Project
UK government28/09/2020£10kCoronavirus Community Support Fund
The National Lottery Community Fund17/09/2014£10kEnergy Advice Plus
The National Lottery Community Fund10/05/2005£141kDevelop existing services.