Armed forces · Reg 1146420
Army Benevolent Fund
Charity rating & review
68/100 Clarity Score · 3 stars · Charity Commission filings · How we score
Clarity score
Needs improvement
Quick answer
Is Army Benevolent Fund a good charity?
Army Benevolent Fund scores 68/100 (3 stars, Needs improvement) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£39m total income, 59% of spending on charitable activities). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown.
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What does Army Benevolent Fund do?
Army Benevolent Fund is a registered charity (no. 1146420) working in armed forces across the United Kingdom. Its latest Charity Commission filing directs 59% of spending to charitable activities, holding roughly 81 months of reserves, and files its annual accounts on time. Reported income has been growing (≈34% a year). CharityCompare's Clarity Score rates the organisation only from public Charity Commission accounts — accountability, financial health, efficiency and community support — not the quality or impact of its programmes.
Summarised from public filings — Army Benevolent Fund hasn't added its own description yet. Work here? Add it free →
In short: Army Benevolent Fund scores 68 out of 100 (3 stars). 59% average program spend (3-year average). Review the pillar breakdown below.
What is Army Benevolent Fund?
Army Benevolent Fund has a Clarity Score of 68 out of 100 on CharityCompare (3 stars, Needs improvement). Charity Commission registration number 1146420. Status: Registered. Primary cause area: Armed forces. Latest accounts year 2025: total income £39m, with 59% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 81 months of operating costs. 2 filing concern(s) noted on this profile. Scores are independent and based on official filings — not a donation recommendation.
Data from Charity Commission register, last updated .
Overall score
68/100
3★ · Needs improvement
Cause spend
59%
3-yr avg · charitable activities
Accountability
100/100
Finance beacon
Income
£39m
Latest year 2025
Reserves
81 mo
Months of running costs
Accounts filing
On time
Charity Commission
£3.4 raised per £1 fundraising (3-yr avg) · 44% overhead · Website on register · Confidence: high
How does Army Benevolent Fund compare?
Clarity Score percentile against similar UK charities — the share of peers Army Benevolent Fund scores higher than.
Scores higher than 20% of 943 charities in its income band · 68/100 vs 77 peer average (marker).
Scores higher than 35% of 84 charities in this cause · 68/100 vs 74 peer average (marker).
How reliable is Army Benevolent Fund's data?
- Source
- Charity Commission (England & Wales)
- Accounts year
- 2025
- Filing date
- Profile reviewed
High confidence — complete filing data
Scores reflect the latest annual accounts on the register. Clarity Score measures how clearly the charity accounts for money in those filings — not programme impact.
Contains public sector information licensed under the Open Government Licence v3.0. Sources: Charity Commission for England and Wales, Office of the Scottish Charity Regulator and Charity Commission for Northern Ireland. Open Government Licence v3.0 .
What is Army Benevolent Fund's Beacon report?
Detailed accountability and finance metrics from UK regulator filings — structured for transparency in our four-beacon report.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
100/100
| 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, scaled down for fewer (governance red flag below three). | 100% | 12 trustees · 15/15 pts |
| Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 100% | 10/10 pts |
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
50/100
| Metric | Score | Value |
|---|---|---|
| Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 0% | 81 month · 0/15 pts |
| Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 100% | 10/10 pts · 3-year average |
| Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 100% | 1% · 5/5 pts |
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
15/100
| Metric | Score | Value |
|---|---|---|
| Program expense ratio 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 20% | 59% · 2/10 pts (3-year average) |
| Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 10% | 37p per £1 income · 1/10 pts (3-year average) |
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
100/100
| Metric | Score | Value |
|---|---|---|
| Volunteer-to-staff ratio Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 100% | 1,000 volunteers / 84 staff · 10/10 pts |
What is Army Benevolent Fund's Clarity Score?
68/100 total · Needs improvement · 3 of 5 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.
100/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
50/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
15/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
100/100
How much does Army Benevolent Fund raise and spend?
Latest filed year 2025 · Source: Charity Commission filings
| Category | Amount | % of spend |
|---|---|---|
| Total income | £39m | — |
| Total expenditure | £16m | — |
| Charitable activities | £9.2m | 57% |
| Fundraising | £6.8m | 43% |
| Governance & admin | £178k | 1% |
Where does the money go?
Latest accounts (2025) · £16m spent
- Charitable activities57% · £9.2m
- Fundraising43% · £6.8m
- Governance1% · £178k
What trust indicators does Army Benevolent Fund have?
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
up to date · last filing
-
Trustee board size (3–12)
12 trustees on the Charity Commission register
-
Workforce on register
84 employees · 1,000 volunteers (12:1 volunteer-to-staff)
Fundraising Regulator
Status not yet checked
Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice.
Check Fundraising Regulator →Official register
Reg 1146420
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Amanda Metcalfe since 2017
- Anthony Craufurd Scott since 2019
- ROWENA RUTH FELL since 2020
- RACHEL SARAH BOOTH Chair · since 2020
- DAVID CHARLES GEORGE LONDON since 2020
- Julie White since 2023
- Caitlin Murea Hayden since 2024
- Anna Katherine Lucy Sedgley since 2024
- Mark George Culmer since 2024
- John Stephen Miller since 2025
- Maj Gen Jonathan Edward Alexander Chestnutt since 2026
- Brig Clare Patricia Phillips since 2026
How we score charities +
The Clarity Score is a 100-point rating from UK regulator filings (Charity Commission for England and Wales, OSCR and CCNI). Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10) — each scored on a continuous scale, not pass/fail cutoffs. A statutory inquiry sets the score to 0 automatically.
Accountability & Transparency
Scored from filings
40 points — filing history (15), trustee oversight (15, scaling up to a board of three or more), declared policies (10).
Financial Health
Scored from filings
30 points — reserves (15, full marks 3–24 months, tapering on both sides), income stability (10), liabilities to assets (5, scaling down as debt rises).
Financial Efficiency
Scored from filings
20 points — program expense ratio and fundraising cost, each on a graduated scale (not a single cutoff). Kept at 20% of the total: financial-ratio scoring alone is not a reliable effectiveness signal (see "why not just an overhead ratio?" below).
Community Support
Scored from filings
10 points — volunteer-to-staff ratio from Charity Commission workforce data, scaling continuously up to a 2:1 ratio.
Overall score
Sum of all pillar points. Display stars use the same bands as the labels: 90–100 → 5★ Exceptional; 75–89 → 4★ Good; 60–74 → 3★ Needs improvement; 1–59 → 2★ Poor; 0 → not rated.
How have Army Benevolent Fund's finances changed over five years?
- Income
- Spending
- Cause spend
Values in £ thousands · Cause spend plotted only when the filing discloses a split · Source: Charity Commission accounts
What are the key facts about Army Benevolent Fund?
- Overall score
- 68/100 (3★)
- Income
- £39m
- Cause spend
- 59% of expenditure
- Reg number
- 1146420
- Scope
- UK-wide
- Reserves
- 81 months
- Trustees
- 12
- Accounts year
- 2025
- Filing
- up to date
How does Army Benevolent Fund compare, and where else can you look?
Where Army Benevolent Fund sits
The causes this charity is classified under, and other charities working nearby.
Similar armed forces charities
Top-rated peers by CharityCompare score
- ROYAL NAVAL SAILING ASSOCIATION 99/100 · £782k
- THE ROYAL AIR FORCES ASSOCIATION - CORPORATE BODY 98/100 · £22m
- ARMY FLYING MUSEUM LIMITED 96/100 · £1.3m
- CARE OF POLICE SURVIVORS 93/100 · £661k
How can you share Army Benevolent Fund's rating?
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What red flags does Army Benevolent Fund have?
Frequently asked questions
Common questions about Army Benevolent Fund's rating, finances, and Charity Commission status.
Is Army Benevolent Fund a good charity? +
Army Benevolent Fund scores 68 out of 100 (3 stars — Needs improvement) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 59% of its spending goes to charitable activities and its accounts are up to date. That reflects how transparent and financially healthy it looks on paper — it does not measure the real-world impact of its work, so treat it as one factor alongside the cause you care about. CharityCompare never tells you where to donate.
Is Army Benevolent Fund a legitimate charity? +
Yes — Army Benevolent Fund is a legitimate registered charity (charity number 1146420). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1146420. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact.
What is Army Benevolent Fund's charity number? +
Army Benevolent Fund's charity number is 1146420. Check that number on the official register (Charity Commission, OSCR or CCNI) or this CharityCompare profile before you donate — scammers sometimes reuse real numbers on fake appeals.
What is Army Benevolent Fund's charity rating? +
Army Benevolent Fund scores 68 out of 100 on CharityCompare (3 stars — Needs improvement). The Clarity Score V1 sums four pillars from UK regulator filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10). Stars use the same bands as those labels — 90+ is 5★ Exceptional. It is not an impact ranking.
Does Army Benevolent Fund have reviews and complaints? +
CharityCompare does not host public user reviews for Army Benevolent Fund. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (2 filing concern(s) noted on this profile). For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate.
How much of my donation reaches Army Benevolent Fund? +
According to its 2025 regulator filing, 59% of Army Benevolent Fund's total spending went to charitable activities (3-yr avg across disclosed years). That is the closest official figure to "how much of your donation reaches the cause" — it is an average across all spending in the filing, not a pound-by-pound breakdown of an individual gift.
What are Army Benevolent Fund's overheads? +
According to its 2025 regulator filing, fundraising costs were about 41% of total expenditure and combined overheads (fundraising plus governance) were about 44% of total expenditure at Army Benevolent Fund. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Army Benevolent Fund's chief executive is paid — where disclosure rules apply, senior pay appears in the trustees' annual report on the Charity Commission register.
How much income does Army Benevolent Fund receive? +
Army Benevolent Fund reported £39m total income in its 2025 accounts, based on UK regulator filings. Five-year trend: growing.
Are Army Benevolent Fund's accounts up to date? +
Filing status: up to date (last filing 2026-06-24). CharityCompare flags late or missing accounts separately from the financial score.
Where is Army Benevolent Fund based? +
Army Benevolent Fund is listed at London · UK-wide · SW1W 9RB and operates UK-wide, focused on armed forces.
How does CharityCompare score Army Benevolent Fund? +
We calculate a Clarity Score of 0–100 from four pillars in Army Benevolent Fund's regulator filings: Accountability & Transparency (40 points — filing history, trustees, policies), Financial Health (30 — reserves, income trend, debt), Financial Efficiency (20 — cause spend and fundraising cost, on a graduated scale) and Community Support (10 — volunteer-to-staff ratio). An open statutory inquiry scores 0. The score measures reporting on paper, not programme impact. CharityCompare is free for donors, takes no commission on donations, and scores cannot be bought.
How often is this page updated? +
This profile was last updated on 17 July 2026 from the latest UK regulator data available to CharityCompare, and Army Benevolent Fund's most recent accounts cover 2025. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.