--- title: "Cowes Town Waterfront Trust Limited rating | CharityCompare" description: "Is Cowes Town Waterfront Trust Limited a legitimate UK charity? Clarity Score 57/100. Accounts 2025: income £2.0m · 29% on charitable activities. Reg 1019760." source: https://www.charitycompare.org.uk/charity/cowes-town-waterfront-trust-limited retrieved: 2026-08-18T03:27:56.508Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Cowes Town Waterfront Trust Limited a good charity? Cowes Town Waterfront Trust Limited scores 57/100 (2 stars, Poor) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£2.0m total income, 29% 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. Portsmouth · PO31 7BD | Reg [1019760](https://www.charitycompare.org.uk/charity/cowes-town-waterfront-trust-limited) | Registered charity | [Official website](https://www.cowesyachthaven.com/about-us/ctwt/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1019760) Donate ## How can you give to COWES TOWN WATERFRONT TRUST LIMITED? You leave CharityCompare to complete a donation on the official COWES TOWN WATERFRONT TRUST LIMITED form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://www.cowesyachthaven.com/about-us/ctwt/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1019760) ## What does Cowes Town Waterfront Trust Limited do? Cowes Town Waterfront Trust Limited is a registered charity (no. 1019760) working in environment in Portsmouth · PO31 7BD. Its latest Charity Commission filing directs 29% of spending to charitable activities, holding roughly 4 months of reserves, though its recent accounts were filed late. Reported income has been growing (≈13% 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 — Cowes Town Waterfront Trust Limited hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=cowes-town-waterfront-trust-limited) **In short:** COWES TOWN WATERFRONT TRUST LIMITED scores 57 out of 100 (2 stars). 29% average program spend (3-year average). Review the pillar breakdown below. ## What is Cowes Town Waterfront Trust Limited? Cowes Town Waterfront Trust Limited has a Clarity Score of 57 out of 100 on CharityCompare (2 stars, Poor). Charity Commission registration number 1019760. Status: Registered. Primary cause area: Environment. Latest accounts year 2025: total income £2.0m, with 29% of expenditure on charitable activities. Accounts filing: late. Reserves: approximately 4 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 57/100 2★ · Poor Cause spend 29% 3-yr avg · charitable activities Accountability 57/100 Finance beacon Income £2.0m Latest year 2025 Reserves 4 mo Months of running costs Accounts filing Late Check register Fundraising efficiency not stated · 2% overhead · Website on register · Confidence: medium ## How does COWES TOWN WATERFRONT TRUST LIMITED compare? Clarity Score percentile against similar UK charities — the share of peers COWES TOWN WATERFRONT TRUST LIMITED scores higher than. Income band (£1m–£5m)7thpercentile **Scores higher than 7% of 2,776 charities in its income band** · 57/100 vs 78 peer average (marker). Environment charities10thpercentile **Scores higher than 10% of 460 charities in this cause** · 57/100 vs 76 peer average (marker). ## How reliable is Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited'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. | 33% | 5/15 pts | | Trustee oversight Three or more trustees on the register = 15 pts, scaled down for fewer (governance red flag below three). | 100% | 8 trustees · 15/15 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. 80/100 | Metric | Score | Value | | --- | --- | --- | | Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 100% | 4 months · 15/15 pts | | Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 60% | 6/10 pts · 3-year average | | Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 60% | 26% · 3/5 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. | 0% | 29% · 0/10 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. 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 Cowes Town Waterfront Trust Limited's Clarity Score? 57/100 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 80/100 Financial Health 50/100 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)5/15 pts Trustee oversight8 trustees · 15/15 pts Declared policies3/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 80/100 Reserves (months of cash)4 months · 15/15 pts Income stability / growth6/10 pts · 3-year average Liabilities to assets26% · 3/5 pts ### Financial Efficiency How efficiently funds reach the cause — program spend and fundraising cost ratios. 50/100 Program expense ratio29% · 0/10 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. 0/100 Volunteer-to-staff ratioNot reported · 0/10 pts ## How much does Cowes Town Waterfront Trust Limited raise and spend? Latest filed year 2025 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £2.0m | — | | Total expenditure | £1.6m | — | | Charitable activities | £455k | 28% | | Governance & admin | £35k | 2% | 28%On charitable activities ## Where does the money go? Latest accounts (2025) · £1.6m spent - Charitable activities28% · £455k - Governance2% · £35k - Other spending70% · £1.1m ## What trust indicators does Cowes Town Waterfront Trust Limited 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) 8 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 1019760 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/1019760) ### Trustees & officers - Ross Peter Owen since 2018 - Michael Gordon Scott Greville since 2018 - JEREMY NIGEL DALE since 2019 - Julian Timothy James since 2022 - Michael Timothy Elsom since 2023 - Michael Charles Shepherd since 2023 - Anthony Francis Charles Lucas since 2023 - Graham Barnetson since 2025 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 Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited? Overall score 57/100 (2★) Income £2.0m Cause spend 29% of expenditure Reg number 1019760 Scope Local (portsmouth) Reserves 4 months Trustees 8 Accounts year 2025 Filing late ## How does COWES TOWN WATERFRONT TRUST LIMITED compare, and where else can you look? [Compare COWES TOWN WATERFRONT TRUST LIMITED with others](https://www.charitycompare.org.uk/compare-charities?ids=cowes-town-waterfront-trust-limited) [More environment charities](https://www.charitycompare.org.uk/browse/environment) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where COWES TOWN WATERFRONT TRUST LIMITED sits The causes this charity is classified under, and other charities working nearby. - [environment charities](https://www.charitycompare.org.uk/browse/environment) - [sport charities](https://www.charitycompare.org.uk/browse/sport) - [education charities](https://www.charitycompare.org.uk/browse/education) - [Charities in Portsmouth](https://www.charitycompare.org.uk/cities/portsmouth) ### Similar environment charities Top-rated peers by CharityCompare score - [ESSEX AND SUFFOLK RIVERS TRUST](https://www.charitycompare.org.uk/charity/essex-and-suffolk-rivers-trust) 100/100 · £963k - [GREAT WESTERN SOCIETY LIMITED](https://www.charitycompare.org.uk/charity/great-western-society-limited) 99/100 · £3.9m - [THE MID-NORFOLK RAILWAY PRESERVATION TRUST](https://www.charitycompare.org.uk/charity/the-mid-norfolk-railway-preservation-trust) 99/100 · £2.5m - [THE SHARPHAM TRUST](https://www.charitycompare.org.uk/charity/the-sharpham-trust) 99/100 · £2.2m ## How can you share Cowes Town Waterfront Trust Limited'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 57/100 ★★★★★](https://www.charitycompare.org.uk/charity/cowes-town-waterfront-trust-limited) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 57/100 ★★★★★ Copy code ## What red flags does Cowes Town Waterfront Trust Limited have? ## Frequently asked questions Common questions about Cowes Town Waterfront Trust Limited's rating, finances, and Charity Commission status. Is Cowes Town Waterfront Trust Limited a good charity? + Cowes Town Waterfront Trust Limited scores 57 out of 100 (2 stars — Poor) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 29% 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 Cowes Town Waterfront Trust Limited a legitimate charity? + Yes — Cowes Town Waterfront Trust Limited is a legitimate registered charity (charity number 1019760). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1019760. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Cowes Town Waterfront Trust Limited's charity number? + Cowes Town Waterfront Trust Limited's charity number is 1019760. 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 Cowes Town Waterfront Trust Limited's charity rating? + Cowes Town Waterfront Trust Limited scores 57 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 Cowes Town Waterfront Trust Limited have reviews and complaints? + CharityCompare does not host public user reviews for Cowes Town Waterfront Trust Limited. 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 Cowes Town Waterfront Trust Limited? + According to its 2025 regulator filing, 29% of Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited's overheads? + According to its 2025 regulator filing, combined overheads (fundraising plus governance) were about 2% of total expenditure at Cowes Town Waterfront Trust Limited. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited receive? + Cowes Town Waterfront Trust Limited reported £2.0m total income in its 2025 accounts, based on UK regulator filings. Five-year trend: growing. Are Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited based? + Cowes Town Waterfront Trust Limited is listed at Portsmouth · PO31 7BD, focused on environment. How does CharityCompare score Cowes Town Waterfront Trust Limited? + We calculate a Clarity Score of 0–100 from four pillars in Cowes Town Waterfront Trust Limited'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 Cowes Town Waterfront Trust Limited'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.