Education · Reg 1016630
Rating for FOUNDATION FOR CREDIT COUNSELLING
87/100 Clarity Score · 3 stars · Charity Commission filings · How we score
Clarity score
Good
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Mission
FOUNDATION FOR CREDIT COUNSELLING is a registered UK charity (1016630) working in education across the United Kingdom. CharityCompare scores the organisation from public Charity Commission annual accounts — financial efficiency, transparency, and filing compliance — not programme outcomes.
In short: FOUNDATION FOR CREDIT COUNSELLING scores 87 out of 100 (3 stars). 96% average program spend (3-year average). Filings are up to date with no major concerns.
Overview
FOUNDATION FOR CREDIT COUNSELLING has a Clarity Score of 87 out of 100 on CharityCompare (3 stars, Good). Charity Commission registration number 1016630. Status: Registered. Primary cause area: Education. Latest accounts year 2020: total income £61m, with 96% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 3 months of operating costs. No major red flags from our filing review. Scores are independent and based on official filings — not a donation recommendation.
Data from Charity Commission register, last updated .
Overall score
87/100
3★ · Good
Cause spend
96%
3-yr avg · charitable activities
Accountability
93/100
Finance beacon
Income
£61m
Latest year 2020
Reserves
3 mo
Months of running costs
Accounts filing
On time
Charity Commission
£21.9 raised per £1 fundraising (3-yr avg) · 5% overhead · Website on register · Confidence: high
Data & confidence
- Source
- Charity Commission (E&W)
- Accounts year
- 2020
- Filing date
- 2026-06-24 00:00:00.0000000
- Profile reviewed
- 2026-06-24
High confidence — complete filing data
Scores reflect the latest annual accounts on the register. Impact, leadership, and culture beacons require information beyond public filings.
Beacon report
Detailed accountability and finance metrics from Charity Commission filings — structured for transparency in our four-beacon report.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
| Metric | Score | Value |
|---|---|---|
| Filing history (5 years) 100% on-time over five years = 15 pts · one late filing = 5 pts · two or more = 0 pts. | 100% | 15/15 pts |
| Trustee oversight Three or more trustees on the register = 15 pts · one or two = 0 pts (governance red flag). | 100% | 12 trustees · 15/15 pts |
| Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 70% | 7/10 pts |
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
100/100
| Metric | Score | Value |
|---|---|---|
| Reserves (months of cash) 3–24 months = 15 pts · 1–3 months = 7 pts · under 1 month or over 3 years (hoarding) = 0 pts. | 100% | 3 months · 15/15 pts |
| Income stability / growth Positive or stable three-year revenue trend = 10 pts · sustained decline = 0 pts. | 100% | 10/10 pts · 3-year average |
| Liabilities to assets Low debt (< 30% liabilities to assets) = 5 pts · high debt = 0 pts. | 100% | 26% · 5/5 pts |
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
100/100
| Metric | Score | Value |
|---|---|---|
| Program expense ratio ≥ 75% on charitable activities = 10 pts · 60–75% = 5 pts · below 60% = 0 pts. | 100% | 96% · 10/10 pts (3-year average) |
| Fundraising efficiency Spends ≤ £0.20 to raise £1 = 10 pts · £0.21–£0.35 = 5 pts · above £0.35 = 0 pts (fundraising cost ÷ income). | 100% | 5p per £1 income · 10/10 pts (3-year average) |
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
| Metric | Score | Value |
|---|---|---|
| Volunteer-to-staff ratio More volunteers than paid staff = 10 pts · equal mix = 5 pts · no volunteers = 0 pts. | 0% | Not reported · 0/10 pts |
Clarity Score
87/100 total · Good · 3 of 4 stars
Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
100/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
100/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
Revenue & expenses
Latest filed year 2020 · Source: Charity Commission annual accounts
| Category | Amount | % of spend |
|---|---|---|
| Total income | £61m | — |
| Total expenditure | £63m | — |
| Charitable activities | £59m | 93% |
| Fundraising | £3.4m | 5% |
| Governance & admin | £342k | 1% |
Where the money goes
Latest accounts (2020) · £63m spent
- Charitable activities93% · £59m
- Fundraising5% · £3.4m
- Governance1% · £342k
- Other spending1% · £818k
Trust indicators
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
up to date · last filing 2026-06-24 00:00:00.0000000
-
Trustee board size (3–12)
12 trustees on the Charity Commission register
Fundraising Regulator
Not listed as member
Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice.
Check Fundraising Regulator →Official register
Reg 1016630
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Barbara Helen Dean since 2019
- Lesley Jane Titcomb since 2019
- Nicholas Michael Caplan since 2019
- Christopher Mark Wood since 2021
- Yvonne Jean Klimaytys since 2021
- Susan Acton since 2023
- Michael St John Ashley since 2023
- Elizabeth Mary Harding since 2023
- Janet Pope since 2024
- Sean Lynskey since 2025
- Lisa Jane Mellor since 2025
- Ramondeep Kaur since 2025
How we score charities +
The Clarity Score is a 100-point rating from UK Charity Commission data. Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10). A statutory inquiry sets the score to 0 automatically.
Accountability & Transparency
Scored from filings
40 points — filing history (15), trustee oversight (15), declared policies (10).
Financial Health
Scored from filings
30 points — reserves (15), income stability (10), liabilities to assets (5).
Financial Efficiency
Scored from filings
20 points — program expense ratio (10), fundraising efficiency (10). Kept at 20% to avoid punishing legitimate infrastructure costs.
Community Support
Scored from filings
10 points — volunteer-to-staff ratio from Charity Commission workforce data.
Overall score
Sum of all pillar points. Translated to stars: 90–100 Exceptional (4★), 75–89 Good (3★), 60–74 Needs improvement (2★), below 60 Poor (1★).
Five-year trends
- Income
- Spending
- Cause spend
Values in £ thousands · Source: Charity Commission accounts
Key facts
- Overall score
- 87/100 (3★)
- Income
- £61m
- Cause spend
- 96% of expenditure
- Reg number
- 1016630
- Scope
- UK-wide
- Reserves
- 3 months
- Trustees
- 12
- Accounts year
- 2020
- Filing
- up to date
Compare & explore
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Frequently asked questions
Common questions about FOUNDATION FOR CREDIT COUNSELLING's rating, finances, and Charity Commission status.
What is FOUNDATION FOR CREDIT COUNSELLING's charity rating? +
FOUNDATION FOR CREDIT COUNSELLING scores 87 out of 100 on CharityCompare (3 stars — Good). The Clarity Score V1 sums four pillars from Charity Commission filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10).
Is FOUNDATION FOR CREDIT COUNSELLING a legitimate UK charity? +
Yes — FOUNDATION FOR CREDIT COUNSELLING is registered with the Charity Commission for England and Wales under registration number 1016630. You can verify the entry on the official register.
What is FOUNDATION FOR CREDIT COUNSELLING's Charity Commission registration number? +
FOUNDATION FOR CREDIT COUNSELLING's registration number is 1016630. Official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1016630
How much income does FOUNDATION FOR CREDIT COUNSELLING receive? +
FOUNDATION FOR CREDIT COUNSELLING reported £61m total income in its 2020 accounts, based on Charity Commission filings. Five-year trend: stable.
What percentage of FOUNDATION FOR CREDIT COUNSELLING's spending goes to charitable activities? +
Approximately 96% of total expenditure went to charitable activities in the latest filed year. Fundraising was 4% and combined overhead (fundraising plus governance) was 5%.
Are FOUNDATION FOR CREDIT COUNSELLING's accounts up to date? +
Filing status: up to date (last filing 2026-06-24 00:00:00.0000000). CharityCompare flags late or missing accounts separately from the financial score.
Where is FOUNDATION FOR CREDIT COUNSELLING based? +
FOUNDATION FOR CREDIT COUNSELLING is listed at Leeds · UK-wide · LS2 8ER and operates UK-wide, focused on education.
How does CharityCompare score FOUNDATION FOR CREDIT COUNSELLING? +
We analyse Charity Commission annual accounts using three-year averages for program expense, fundraising efficiency, and overhead; working capital from reserves vs average expenditure; liabilities-to-assets from the latest balance sheet when available. Impact, leadership, and culture beacons are not yet assessed from public data alone. See our methodology for weights and thresholds.
Does CharityCompare recommend donating to FOUNDATION FOR CREDIT COUNSELLING? +
No. CharityCompare provides independent scores and facts from official filings. We do not tell you where to donate or earn commission from charities.
How can I compare FOUNDATION FOR CREDIT COUNSELLING with other charities? +
Use our free compare tool to put FOUNDATION FOR CREDIT COUNSELLING side-by-side with other UK charities on scores, finances, and filing status.