--- title: "Community Life Trust rating & legitimacy | CharityCompare" description: "Is Community Life Trust a legitimate UK charity? Clarity Score 96/100. Accounts 2025: income £793k · 100% on charitable activities. Reg 1095763." source: https://www.charitycompare.org.uk/charity/community-life-trust retrieved: 2026-08-18T02:03:23.192Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Community Life Trust a good charity? Community Life Trust scores 96/100 (5 stars, Exceptional) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£793k total income, 100% 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. London · KT16 9AS | Reg [1095763](https://www.charitycompare.org.uk/charity/community-life-trust) | Registered charity | [Official website](https://www.beaconchurch.net/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1095763) Donate ## How can you give to COMMUNITY LIFE TRUST? You leave CharityCompare to complete a donation on the official COMMUNITY LIFE TRUST form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://www.beaconchurch.net/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1095763) ## What does Community Life Trust do? Community Life Trust is a registered charity (no. 1095763) working in poverty relief in London · KT16 9AS. Its latest Charity Commission filing directs 100% of spending to charitable activities, holding roughly 25 months of reserves, and files its annual accounts on time. Reported income has been broadly stable over recent years. 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 — Community Life Trust hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=community-life-trust) **In short:** COMMUNITY LIFE TRUST scores 96 out of 100 (5 stars). 100% average program spend (3-year average). Review the pillar breakdown below. ## What is Community Life Trust? Community Life Trust has a Clarity Score of 96 out of 100 on CharityCompare (5 stars, Exceptional). Charity Commission registration number 1095763. Status: Registered. Primary cause area: Poverty relief. Latest accounts year 2025: total income £793k, with 100% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 25 months of operating costs. 1 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 96/100 5★ · Exceptional Cause spend 100% 3-yr avg · charitable activities Accountability 93/100 Finance beacon Income £793k Latest year 2025 Reserves 25 mo Months of running costs Accounts filing On time Charity Commission Fundraising efficiency not stated · 1% overhead · Website on register · Confidence: high ## How does COMMUNITY LIFE TRUST compare? Clarity Score percentile against similar UK charities — the share of peers COMMUNITY LIFE TRUST scores higher than. Income band (£500k–£1m)91stpercentile **Scores higher than 91% of 2,187 charities in its income band** · 96/100 vs 79 peer average (marker). Poverty relief charities94thpercentile **Scores higher than 94% of 1,502 charities in this cause** · 96/100 vs 78 peer average (marker). ## How reliable is Community Life Trust's data? Source Charity Commission (England & Wales) Accounts year 2025 Filing date 24 June 2026 Profile reviewed 17 July 2026 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](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 Community Life 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. 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, scaled down for fewer (governance red flag below three). | 100% | 5 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. 97/100 | Metric | Score | Value | | --- | --- | --- | | Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 93% | 25 months · 14/15 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% | 0% · 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 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 100% | 100% · 10/10 pts (3-year average) | | Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 100% | 0p per £1 income · 10/10 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% | 150 volunteers / 4 staff · 10/10 pts | [How we calculate beacon scores →](https://www.charitycompare.org.uk/methodology) ## What is Community Life Trust's Clarity Score? 96/100 total · Exceptional · 5 of 5 stars Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings. 93/100 Accountability & Transparency 97/100 Financial Health 100/100 Financial Efficiency 100/100 Community Support ### Accountability & Transparency Baseline trust from filing discipline, board oversight, and declared governance policies. 93/100 Filing history (5 years)15/15 pts Trustee oversight5 trustees · 15/15 pts Declared policies7/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 97/100 Reserves (months of cash)25 months · 14/15 pts Income stability / growth10/10 pts · 3-year average Liabilities to assets0% · 5/5 pts ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 100/100 Program expense ratio100% · 10/10 pts (3-year average) Fundraising efficiency0p per £1 income · 10/10 pts (3-year average) ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 100/100 Volunteer-to-staff ratio150 volunteers / 4 staff · 10/10 pts ## How much does Community Life Trust raise and spend? Latest filed year 2025 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £793k | — | | Total expenditure | £682k | — | | Charitable activities | £682k | 100% | | Governance & admin | £4k | 1% | 100%On charitable activities ## Where does the money go? Latest accounts (2025) · £682k spent - Charitable activities100% · £682k - Governance1% · £4k ## What trust indicators does Community Life 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) 5 trustees on the Charity Commission register - ✓ Workforce on register 4 employees · 150 volunteers (38:1 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 →](https://www.fundraisingregulator.org.uk/members/) Official register Reg 1095763 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/1095763) ### Trustees & officers - KEITH MICHAEL HOLDER OBE since 2012 - Nathan John Wardill since 2015 - Adriaan van den Broek since 2019 - David Thomas Wayland since 2019 - Felix Masinjera Mashedi since 2019 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 Community Life 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 Community Life Trust? Overall score 96/100 (5★) Income £793k Cause spend 100% of expenditure Reg number 1095763 Scope Local (london) Reserves 25 months Trustees 5 Accounts year 2025 Filing up to date ## How does COMMUNITY LIFE TRUST compare, and where else can you look? [Compare COMMUNITY LIFE TRUST with others](https://www.charitycompare.org.uk/compare-charities?ids=community-life-trust) [More poverty relief charities](https://www.charitycompare.org.uk/browse/poverty) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where COMMUNITY LIFE TRUST sits The causes this charity is classified under, and other charities working nearby. - [poverty charities](https://www.charitycompare.org.uk/browse/poverty) - [religion charities](https://www.charitycompare.org.uk/browse/religion) - [education charities](https://www.charitycompare.org.uk/browse/education) - [Charities in London](https://www.charitycompare.org.uk/cities/london) - [poverty charities in London](https://www.charitycompare.org.uk/browse/poverty/london) ### Similar poverty relief charities Top-rated peers by CharityCompare score - [AMOS TRUST](https://www.charitycompare.org.uk/charity/amos-trust) 100/100 · £2.6m - [SUFRA - NW LONDON](https://www.charitycompare.org.uk/charity/sufra-nw-london) 100/100 · £1.7m - [WILDERNESS FOUNDATION UK](https://www.charitycompare.org.uk/charity/wilderness-foundation-uk) 100/100 · £1.6m - [BIRMINGHAM CITY MISSION](https://www.charitycompare.org.uk/charity/birmingham-city-mission) 100/100 · £1.4m ## How can you share Community Life Trust's rating? Share: [X](https://twitter.com/intent/tweet?text=Community%20Life%20Trust%20%E2%80%94%2096%2F100%20Clarity%20Score%20on%20CharityCompare&url=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcommunity-life-trust)[LinkedIn](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcommunity-life-trust)[Facebook](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcommunity-life-trust)[Bluesky](https://bsky.app/intent/compose?text=Community%20Life%20Trust%20%E2%80%94%2096%2F100%20Clarity%20Score%20on%20CharityCompare%20https%3A%2F%2Fwww.charitycompare.org.uk%2Fcharity%2Fcommunity-life-trust) Copy link Print / save as PDFOpens a printer-friendly view of this profile for Community Life Trust. For this charity ## How do you add Community Life 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 96/100 ★★★★★](https://www.charitycompare.org.uk/charity/community-life-trust) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 96/100 ★★★★★ Copy code ## What red flags does Community Life Trust have? ## Frequently asked questions Common questions about Community Life Trust's rating, finances, and Charity Commission status. Is Community Life Trust a good charity? + Community Life Trust scores 96 out of 100 (5 stars — Exceptional) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 100% 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 Community Life Trust a legitimate charity? + Yes — Community Life Trust is a legitimate registered charity (charity number 1095763). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1095763. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Community Life Trust's charity number? + Community Life Trust's charity number is 1095763. 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 Community Life Trust's charity rating? + Community Life Trust scores 96 out of 100 on CharityCompare (5 stars — Exceptional). 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 Community Life Trust have reviews and complaints? + CharityCompare does not host public user reviews for Community Life Trust. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (1 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 Community Life Trust? + According to its 2025 regulator filing, 100% of Community Life Trust'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 Community Life Trust's overheads? + According to its 2025 regulator filing, combined overheads (fundraising plus governance) were about 1% of total expenditure at Community Life Trust. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Community Life 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 Community Life Trust receive? + Community Life Trust reported £793k total income in its 2025 accounts, based on UK regulator filings. Five-year trend: stable. Are Community Life 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 Community Life Trust based? + Community Life Trust is listed at London · KT16 9AS, focused on poverty relief. How does CharityCompare score Community Life Trust? + We calculate a Clarity Score of 0–100 from four pillars in Community Life 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 Community Life 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.