--- title: "Charity Assets Trust rating & legitimacy | CharityCompare" description: "Is Charity Assets Trust a legitimate UK charity? Clarity Score 39/100. Accounts 2025: income £17m · cause-spend split not disclosed. Reg 1146166." source: https://www.charitycompare.org.uk/charity/charity-assets-trust retrieved: 2026-08-18T02:06:57.993Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Charity Assets Trust a good charity? Charity Assets Trust scores 39/100 (2 stars, Poor) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£17m total income, cause-spend split not disclosed). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown. London · UK-wide · SW1E 5JL | Reg [1146166](https://www.charitycompare.org.uk/charity/charity-assets-trust) | Registered charity | [Official website](https://www.ruffer.co.uk/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1146166) Donate ## How can you give to CHARITY ASSETS TRUST? You leave CharityCompare to complete a donation on the official CHARITY ASSETS TRUST form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://www.ruffer.co.uk/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1146166) ## What does Charity Assets Trust do? Charity Assets Trust is a registered charity (no. 1146166) working in community across the United Kingdom. Its latest Charity Commission filing does not disclose a charitable-activities spend split in recent filings, and files its annual accounts on time. Reported income has been growing (≈66% 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 — Charity Assets Trust hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=charity-assets-trust) **In short:** CHARITY ASSETS TRUST scores 39 out of 100 (2 stars). Cause-spend split not disclosed in recent filings. Review the pillar breakdown below. ## What is Charity Assets Trust? Charity Assets Trust has a Clarity Score of 39 out of 100 on CharityCompare (2 stars, Poor). Charity Commission registration number 1146166. Status: Registered. Primary cause area: Community. Latest accounts year 2025: total income £17m, cause-spend split not disclosed in that filing. Accounts filing: up to date. 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](https://register-of-charities.charitycommission.gov.uk/), last updated 17 July 2026. Overall score 39/100 2★ · Poor Cause spend N/D Not disclosed in filings Accountability 57/100 Finance beacon Income £17m Latest year 2025 Reserves — Months of running costs Accounts filing On time Charity Commission £2.8 raised per £1 fundraising (not disclosed) · 100% overhead · Website on register · Confidence: medium ## How does CHARITY ASSETS TRUST compare? Clarity Score percentile against similar UK charities — the share of peers CHARITY ASSETS TRUST scores higher than. Income band (£10m+)1stpercentile **Scores higher than 1% of 943 charities in its income band** · 39/100 vs 77 peer average (marker). Community charities6thpercentile **Scores higher than 6% of 216 charities in this cause** · 39/100 vs 72 peer average (marker). ## How reliable is Charity Assets Trust's data? Source Charity Commission (England & Wales) Accounts year 2025 Filing date 24 June 2026 Profile reviewed 17 July 2026 Medium confidence — some data missing or late 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](https://register-of-charities.charitycommission.gov.uk/), [Office of the Scottish Charity Regulator](https://www.oscr.org.uk/) and [Charity Commission for Northern Ireland](https://www.charitycommissionni.org.uk/). [Open Government Licence v3.0](https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/). ## What is Charity Assets Trust'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. 57/100 | 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). | 33% | 1 trustee · 5/15 pts | | Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 30% | 3/10 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% | Not stated · 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% | 2% · 5/5 pts | ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 5/100 | Metric | Score | Value | | --- | --- | --- | | Program expense ratio 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 0% | Not stated · 0/10 pts | | 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. 0/100 | Metric | Score | Value | | --- | --- | --- | | Volunteer-to-staff ratio Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 0% | Not reported · 0/10 pts | [How we calculate beacon scores →](https://www.charitycompare.org.uk/methodology) ## What is Charity Assets Trust's Clarity Score? 39/100 total · Poor · 2 of 5 stars Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings. 57/100 Accountability & Transparency 50/100 Financial Health 5/100 Financial Efficiency 0/100 Community Support ### Accountability & Transparency Baseline trust from filing discipline, board oversight, and declared governance policies. 57/100 Filing history (5 years)15/15 pts Trustee oversight1 trustee · 5/15 pts Declared policies3/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 50/100 Reserves (months of cash)Not stated · 0/15 pts Income stability / growth10/10 pts · 3-year average Liabilities to assets2% · 5/5 pts ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 5/100 Program expense ratioNot stated · 0/10 pts Fundraising efficiency37p per £1 income · 1/10 pts (3-year average) ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 0/100 Volunteer-to-staff ratioNot reported · 0/10 pts ## How much does Charity Assets Trust raise and spend? Latest filed year 2025 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £17m | — | | Total expenditure | £5.4m | — | | Charitable activities | Not disclosed | — | | Fundraising | £5.4m | 100% | ## Where does the money go? Latest accounts (2025) · £5.4m spent. Not disclosed in this filing — the Charity Commission return omits the charitable-activities split. ## What trust indicators does Charity Assets Trust have? Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported. - ✓ Accounts filed on time up to date · last filing 24 June 2026 - — Trustee board size (3–12) 1 trustees on the Charity Commission register Fundraising Regulator Status not yet checked Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice. [Check Fundraising Regulator →](https://www.fundraisingregulator.org.uk/members/) Official register Reg 1146166 Full trustee list, accounts, and regulatory history on the Charity Commission. [View on Charity Commission →](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1146166) ### Trustees & officers - BNY MELLON INTERNATIONAL LIMITED since 2012 100 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. [Full methodology →](https://www.charitycompare.org.uk/methodology) 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 Charity Assets Trust'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 Charity Assets Trust? Overall score 39/100 (2★) Income £17m Cause spend Not disclosed Reg number 1146166 Scope UK-wide Reserves — Trustees 1 Accounts year 2025 Filing up to date ## How does CHARITY ASSETS TRUST compare, and where else can you look? [Compare CHARITY ASSETS TRUST with others](https://www.charitycompare.org.uk/compare-charities?ids=charity-assets-trust) [More community charities](https://www.charitycompare.org.uk/browse/community) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where CHARITY ASSETS TRUST sits The causes this charity is classified under, and other charities working nearby. - [community charities](https://www.charitycompare.org.uk/browse/community) - [Charities in London](https://www.charitycompare.org.uk/cities/london) - [community charities in London](https://www.charitycompare.org.uk/browse/community/london) ### Similar community charities Top-rated peers by CharityCompare score - [JW3 TRUST LIMITED](https://www.charitycompare.org.uk/charity/jw3-trust-limited) 100/100 · £4.2m - [RETHINK CHARITY](https://www.charitycompare.org.uk/charity/rethink-charity) 100/100 · £2.0m - [HEART OF ENGLAND COMMUNITY FOUNDATION](https://www.charitycompare.org.uk/charity/heart-of-england-community-foundation) 99/100 · £14m - [BIRTH COMPANIONS](https://www.charitycompare.org.uk/charity/birth-companions) 99/100 · £829k ## How can you share Charity Assets Trust's rating? Share: [X](https://twitter.com/intent/tweet?text=Charity%20Assets%20Trust%20%E2%80%94%2039%2F100%20Clarity%20Score%20on%20CharityCompare&url=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcharity-assets-trust)[LinkedIn](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcharity-assets-trust)[Facebook](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcharity-assets-trust)[Bluesky](https://bsky.app/intent/compose?text=Charity%20Assets%20Trust%20%E2%80%94%2039%2F100%20Clarity%20Score%20on%20CharityCompare%20https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcharity-assets-trust) Copy link Print / save as PDFOpens a printer-friendly view of this profile for Charity Assets Trust. For this charity ## How do you add Charity Assets Trust's rating to your site? Free to use — a lightweight HTML badge or an embeddable score widget, each linking back to this independent profile and our [methodology](https://www.charitycompare.org.uk/methodology). BadgeScore widget [♥ CharityCompare Clarity Score 39/100 ★★★★★](https://www.charitycompare.org.uk/charity/charity-assets-trust) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 39/100 ★★★★★ Copy code ## What red flags does Charity Assets Trust have? ## Frequently asked questions Common questions about Charity Assets Trust's rating, finances, and Charity Commission status. Is Charity Assets Trust a good charity? + Charity Assets Trust scores 39 out of 100 (2 stars — Poor) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Its recent filings do not disclose a charitable-activities spend split 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 Charity Assets Trust a legitimate charity? + Yes — Charity Assets Trust is a legitimate registered charity (charity number 1146166). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1146166. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Charity Assets Trust's charity number? + Charity Assets Trust's charity number is 1146166. 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 Charity Assets Trust's charity rating? + Charity Assets Trust scores 39 out of 100 on CharityCompare (2 stars — Poor). 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 Charity Assets Trust have reviews and complaints? + CharityCompare does not host public user reviews for Charity Assets Trust. 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 Charity Assets Trust? + Charity Assets Trust does not disclose a charitable-activities spend split in its recent UK regulator filings, so there is no official figure for how much of a donation reaches the cause. CharityCompare reports this as "not disclosed" rather than assuming a number. What are Charity Assets Trust's overheads? + According to its 2025 regulator filing, fundraising costs were about 100% of total expenditure and combined overheads (fundraising plus governance) were about 100% of total expenditure at Charity Assets Trust. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Charity Assets Trust'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 Charity Assets Trust receive? + Charity Assets Trust reported £17m total income in its 2025 accounts, based on UK regulator filings. Five-year trend: growing. Are Charity Assets Trust'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 Charity Assets Trust based? + Charity Assets Trust is listed at London · UK-wide · SW1E 5JL and operates UK-wide, focused on community. How does CharityCompare score Charity Assets Trust? + We calculate a Clarity Score of 0–100 from four pillars in Charity Assets Trust'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 Charity Assets Trust'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.