Religion · Reg 1207670
COVENANT OF MERCY LTD
Charity rating & review
37/100 Clarity Score · 1 stars · Charity Commission filings · How we score
Clarity score
Poor
Is COVENANT OF MERCY LTD a good charity?
COVENANT OF MERCY LTD scores 37/100 (Poor) on our Clarity Score, with 66% of spending going to charitable activities and accounts late. This reflects financial transparency and stewardship from Charity Commission filings — not the real-world impact of its programmes. See the full breakdown.
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Mission
COVENANT OF MERCY LTD is a registered charity (no. 1207670) working in religion across the United Kingdom. Its latest Charity Commission filing directs 66% of spending to charitable activities, holding roughly 1 months of reserves, though its recent accounts were filed late. 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.
In short: COVENANT OF MERCY LTD scores 37 out of 100 (1 star). 66% average program spend (Latest year). Review the pillar breakdown below.
Overview
COVENANT OF MERCY LTD has a Clarity Score of 37 out of 100 on CharityCompare (1 stars, Poor). Charity Commission registration number 1207670. Status: Registered. Primary cause area: Religion. Latest accounts year 2025: total income £772k, with 66% of expenditure on charitable activities. Accounts filing: late. Reserves: approximately 1 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
37/100
1★ · Very poor
Cause spend
66%
latest year · charitable activities
Accountability
38/100
Finance beacon
Income
£772k
Latest year 2025
Reserves
1 mo
Months of running costs
Accounts filing
Late
Check register
£4.7 raised per £1 fundraising (latest year) · 22% overhead · Website on register · Confidence: medium
How COVENANT OF MERCY LTD compares
Clarity Score benchmarked against similar UK charities — higher is better.
Ranks higher than 1% of 2,157 charities in its income band.
Ranks higher than 1% of 379 charities in this cause.
Data & confidence
- Source
- Charity Commission (E&W)
- Accounts year
- 2025
- Filing date
- 2026-06-24 00:00:00.0000000
- Profile reviewed
- 2026-06-25
Medium confidence — some data missing or late
Scores reflect the latest annual accounts on the register. Impact, leadership, and culture beacons require information beyond public filings.
Contains public sector information licensed under the Open Government Licence v3.0. Source: Charity Commission for England and Wales . Open Government Licence v3.0 .
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.
38/100
| 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. | 33% | 5/15 pts |
| Trustee oversight Three or more trustees on the register = 15 pts · one or two = 0 pts (governance red flag). | 0% | 2 trustees · 0/15 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.
23/100
| 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. | 47% | 1 months · 7/15 pts |
| Income stability / growth Positive or stable three-year revenue trend = 10 pts · sustained decline = 0 pts. | 0% | 0/10 pts · Latest year |
| Liabilities to assets Low debt (< 30% liabilities to assets) = 5 pts · high debt = 0 pts. | 0% | 59% · 0/5 pts |
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
50/100
| Metric | Score | Value |
|---|---|---|
| Program expense ratio ≥ 75% on charitable activities = 10 pts · 60–75% = 5 pts · below 60% = 0 pts. | 50% | 66% · 5/10 pts (Latest year) |
| Fundraising efficiency Spends ≤ £0.20 to raise £1 = 10 pts · £0.21–£0.35 = 5 pts · above £0.35 = 0 pts (fundraising cost ÷ income). | 50% | 21p per £1 income · 5/10 pts (Latest year) |
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
50/100
| Metric | Score | Value |
|---|---|---|
| Volunteer-to-staff ratio More volunteers than paid staff = 10 pts · equal mix = 5 pts · no volunteers = 0 pts. | 50% | 1,000 volunteers · 5/10 pts |
Clarity Score
37/100 total · Poor · 1 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.
38/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
23/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
50/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
50/100
Revenue & expenses
Latest filed year 2025 · Source: Charity Commission annual accounts
| Category | Amount | % of spend |
|---|---|---|
| Total income | £772k | — |
| Total expenditure | £762k | — |
| Charitable activities | £501k | 66% |
| Fundraising | £165k | 22% |
Where the money goes
Latest accounts (2025) · £762k spent
- Charitable activities66% · £501k
- Fundraising22% · £165k
- Other spending13% · £96k
Trust indicators
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
Filing status: late
-
Trustee board size (3–12)
2 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 →Official register
Reg 1207670
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Akeem Moshood since 2024
- Dr Adedayo Owoade Chair · since 2024
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
- 37/100 (1★)
- Income
- £772k
- Cause spend
- 66% of expenditure
- Reg number
- 1207670
- Scope
- UK-wide
- Reserves
- 1 months
- Trustees
- 2
- Accounts year
- 2025
- Filing
- late
Compare & explore
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Top-rated peers by CharityCompare score
- ELIM FOURSQUARE GOSPEL ALLIANCE 100/100 · £66m
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- THE BRITISH AND FOREIGN BIBLE SOCIETY 100/100 · £22m
- BIRMINGHAM DIOCESAN TRUST 100/100 · £19m
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Red flags
Frequently asked questions
Common questions about COVENANT OF MERCY LTD's rating, finances, and Charity Commission status.
What is COVENANT OF MERCY LTD's charity rating? +
COVENANT OF MERCY LTD scores 37 out of 100 on CharityCompare (1 stars — Poor). 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 COVENANT OF MERCY LTD a good charity to donate to? +
COVENANT OF MERCY LTD scores 37 out of 100 (1 stars — Poor) on CharityCompare's Clarity Score, our independent read of its Charity Commission filings. Around 66% of its spending goes to charitable activities and its accounts are late. 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 COVENANT OF MERCY LTD a legitimate UK charity? +
Yes — COVENANT OF MERCY LTD is registered with the Charity Commission for England and Wales under registration number 1207670. You can verify the entry on the official register.
What is COVENANT OF MERCY LTD's Charity Commission registration number? +
COVENANT OF MERCY LTD's registration number is 1207670. Official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1207670
How much income does COVENANT OF MERCY LTD receive? +
COVENANT OF MERCY LTD reported £772k total income in its 2025 accounts, based on Charity Commission filings. Five-year trend: stable.
What percentage of COVENANT OF MERCY LTD's spending goes to charitable activities? +
Approximately 66% of total expenditure went to charitable activities in the latest filed year. Fundraising was 22% and combined overhead (fundraising plus governance) was 22%.
Are COVENANT OF MERCY LTD's accounts up to date? +
Filing status: late (last filing 2026-06-24 00:00:00.0000000). CharityCompare flags late or missing accounts separately from the financial score.
Where is COVENANT OF MERCY LTD based? +
COVENANT OF MERCY LTD is listed at United Kingdom and operates UK-wide, focused on religion.
How does CharityCompare score COVENANT OF MERCY LTD? +
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 COVENANT OF MERCY LTD? +
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 COVENANT OF MERCY LTD with other charities? +
Use our free compare tool to put COVENANT OF MERCY LTD side-by-side with other UK charities on scores, finances, and filing status.