--- title: "Covenant of Mercy LTD rating & legitimacy | CharityCompare" description: "Is Covenant of Mercy LTD a legitimate UK charity? Clarity Score 45/100. Accounts 2025: income £772k · 66% on charitable activities. Reg 1207670." source: https://www.charitycompare.org.uk/charity/covenant-of-mercy-ltd retrieved: 2026-08-18T02:07:36.537Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Covenant of Mercy LTD a good charity? Covenant of Mercy LTD scores 45/100 (2 stars, Poor) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£772k total income, 66% 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. Dartford · UK-wide · DA1 2RS | Reg [1207670](https://www.charitycompare.org.uk/charity/covenant-of-mercy-ltd) | Registered charity | [Official website](https://caccovenantofmercy.com/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1207670) Donate ## How can you give to COVENANT OF MERCY LTD? You leave CharityCompare to complete a donation on the official COVENANT OF MERCY LTD form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://caccovenantofmercy.com/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1207670) ## What does Covenant of Mercy LTD do? 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 month 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. Summarised from public filings — Covenant of Mercy LTD hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=covenant-of-mercy-ltd) **In short:** COVENANT OF MERCY LTD scores 45 out of 100 (2 stars). 66% average program spend (Latest year). Review the pillar breakdown below. ## What is Covenant of Mercy LTD? Covenant of Mercy LTD has a Clarity Score of 45 out of 100 on CharityCompare (2 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 month 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](https://register-of-charities.charitycommission.gov.uk/), last updated 17 July 2026. Overall score 45/100 2★ · Poor Cause spend 66% latest year · charitable activities Accountability 63/100 Finance beacon Income £772k Latest year 2025 Reserves 1 mo 1 month of running costs Accounts filing Late Check register £4.7 raised per £1 fundraising (latest year) · 22% overhead · Website on register · Confidence: medium ## How does COVENANT OF MERCY LTD compare? Clarity Score percentile against similar UK charities — the share of peers COVENANT OF MERCY LTD scores higher than. Income band (£500k–£1m)2ndpercentile **Scores higher than 2% of 2,187 charities in its income band** · 45/100 vs 79 peer average (marker). Religion charities3rdpercentile **Scores higher than 3% of 519 charities in this cause** · 45/100 vs 78 peer average (marker). ## How reliable is Covenant of Mercy LTD'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 Covenant of Mercy LTD'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. 63/100 | 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, scaled down for fewer (governance red flag below three). | 67% | 2 trustees · 10/15 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. 17/100 | Metric | Score | Value | | --- | --- | --- | | Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 33% | 1 month · 5/15 pts | | Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 0% | 0/10 pts · Latest year | | Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 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 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 40% | 66% · 4/10 pts (Latest year) | | Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 60% | 21p per £1 income · 6/10 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 Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 50% | 1,000 volunteers · 5/10 pts | [How we calculate beacon scores →](https://www.charitycompare.org.uk/methodology) ## What is Covenant of Mercy LTD's Clarity Score? 45/100 total · Poor · 2 of 5 stars Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings. 63/100 Accountability & Transparency 17/100 Financial Health 50/100 Financial Efficiency 50/100 Community Support ### Accountability & Transparency Baseline trust from filing discipline, board oversight, and declared governance policies. 63/100 Filing history (5 years)5/15 pts Trustee oversight2 trustees · 10/15 pts Declared policies10/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 17/100 Reserves (months of cash)1 month · 5/15 pts Income stability / growth0/10 pts · Latest year Liabilities to assets59% · 0/5 pts ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 50/100 Program expense ratio66% · 4/10 pts (Latest year) Fundraising efficiency21p per £1 income · 6/10 pts (Latest year) ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 50/100 Volunteer-to-staff ratio1,000 volunteers · 5/10 pts ## How much does Covenant of Mercy LTD raise and spend? Latest filed year 2025 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £772k | — | | Total expenditure | £762k | — | | Charitable activities | £501k | 66% | | Fundraising | £165k | 22% | 66%On charitable activities ## Where does the money go? Latest accounts (2025) · £762k spent - Charitable activities66% · £501k - Fundraising22% · £165k - Other spending13% · £96k ## What trust indicators does Covenant of Mercy LTD have? 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 →](https://www.fundraisingregulator.org.uk/members/) Official register Reg 1207670 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/1207670) ### Trustees & officers - Akeem Moshood since 2024 - Dr Adedayo Owoade Chair · since 2024 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 Covenant of Mercy LTD'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 Covenant of Mercy LTD? Overall score 45/100 (2★) Income £772k Cause spend 66% of expenditure Reg number 1207670 Scope UK-wide Reserves 1 month Trustees 2 Accounts year 2025 Filing late ## How does COVENANT OF MERCY LTD compare, and where else can you look? [Compare COVENANT OF MERCY LTD with others](https://www.charitycompare.org.uk/compare-charities?ids=covenant-of-mercy-ltd) [More religion charities](https://www.charitycompare.org.uk/browse/religion) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where COVENANT OF MERCY LTD sits The causes this charity is classified under, and other charities working nearby. - [religion charities](https://www.charitycompare.org.uk/browse/religion) - [children charities](https://www.charitycompare.org.uk/browse/children) - [elderly charities](https://www.charitycompare.org.uk/browse/elderly) - [disability charities](https://www.charitycompare.org.uk/browse/disability) - [Charities in Dartford](https://www.charitycompare.org.uk/cities/dartford) ### Similar religion charities Top-rated peers by CharityCompare score - [BIRMINGHAM DIOCESAN TRUST](https://www.charitycompare.org.uk/charity/birmingham-diocesan-trust) 100/100 · £24m - [ARCHDIOCESE OF CARDIFF-MENEVIA](https://www.charitycompare.org.uk/charity/archdiocese-of-cardiff-menevia) 100/100 · £6.0m - [FRIENDS INTERNATIONAL MINISTRIES](https://www.charitycompare.org.uk/charity/friends-international-ministries) 100/100 · £2.9m - [THE ENGLISH SANGHA TRUST LIMITED](https://www.charitycompare.org.uk/charity/the-english-sangha-trust-limited) 100/100 · £2.2m ## How can you share Covenant of Mercy LTD's rating? 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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 45/100 ★★★★★](https://www.charitycompare.org.uk/charity/covenant-of-mercy-ltd) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 45/100 ★★★★★ Copy code ## What red flags does Covenant of Mercy LTD have? ## Frequently asked questions Common questions about Covenant of Mercy LTD's rating, finances, and Charity Commission status. Is Covenant of Mercy LTD a good charity? + Covenant of Mercy LTD scores 45 out of 100 (2 stars — Poor) on CharityCompare's Clarity Score, our independent read of its UK regulator 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 charity? + Yes — Covenant of Mercy LTD is a legitimate registered charity (charity number 1207670). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1207670. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Covenant of Mercy LTD's charity number? + Covenant of Mercy LTD's charity number is 1207670. 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 Covenant of Mercy LTD's charity rating? + Covenant of Mercy LTD scores 45 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 Covenant of Mercy LTD have reviews and complaints? + CharityCompare does not host public user reviews for Covenant of Mercy LTD. 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 Covenant of Mercy LTD? + According to its 2025 regulator filing, 66% of Covenant of Mercy LTD's total spending went to charitable activities. 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 Covenant of Mercy LTD's overheads? + According to its 2025 regulator filing, fundraising costs were about 22% of total expenditure and combined overheads (fundraising plus governance) were about 22% of total expenditure at Covenant of Mercy LTD. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Covenant of Mercy LTD'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 Covenant of Mercy LTD receive? + Covenant of Mercy LTD reported £772k total income in its 2025 accounts, based on UK regulator filings. Five-year trend: limited history. Are Covenant of Mercy LTD's accounts up to date? + Filing status: late (last filing 2026-06-24). 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 Dartford · UK-wide · DA1 2RS and operates UK-wide, focused on religion. How does CharityCompare score Covenant of Mercy LTD? + We calculate a Clarity Score of 0–100 from four pillars in Covenant of Mercy LTD'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 Covenant of Mercy LTD'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.