--- title: "Just Finance Foundation rating & legitimacy | CharityCompare" description: "Is Just Finance Foundation a legitimate UK charity? Clarity Score 82/100. Accounts 2024: income £594k · cause-spend split not disclosed. Reg 1172050." source: https://www.charitycompare.org.uk/charity/just-finance-foundation retrieved: 2026-08-18T05:51:22.121Z license: "Charity data © Crown copyright, Open Government Licence v3.0" --- Quick answer ## Is Just Finance Foundation a good charity? Just Finance Foundation scores 82/100 (4 stars, Good) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2024 (£594k 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 · SE11 5RR | Reg [1172050](https://www.charitycompare.org.uk/charity/just-finance-foundation) | Registered charity | [Official website](https://www.justfinancefoundation.org.uk/) | [Charity Commission register](https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1172050) Donate ## How can you give to JUST FINANCE FOUNDATION? You leave CharityCompare to complete a donation on the official JUST FINANCE FOUNDATION form. We do not process payments or take commission. Opens their official online donation form. [Donate](https://www.justfinancefoundation.org.uk/?utm_source=charitycompare&utm_medium=referral&utm_campaign=donate&utm_content=1172050) ## What does Just Finance Foundation do? Just Finance Foundation is a registered charity (no. 1172050) working in poverty relief across the United Kingdom. Its latest Charity Commission filing does not disclose a charitable-activities spend split in recent filings, holding roughly 7 months of reserves, and files its annual accounts on time. Reported income has been growing (≈14% 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 — Just Finance Foundation hasn't added its own description yet. [Work here? Add it free →](https://www.charitycompare.org.uk/claim?charity=just-finance-foundation) **In short:** JUST FINANCE FOUNDATION scores 82 out of 100 (4 stars). Cause-spend split not disclosed in recent filings. Filings are up to date with no major concerns. ## What is Just Finance Foundation? Just Finance Foundation has a Clarity Score of 82 out of 100 on CharityCompare (4 stars, Good). Charity Commission registration number 1172050. Status: Registered. Primary cause area: Poverty relief. Latest accounts year 2024: total income £594k, cause-spend split not disclosed in that filing. Accounts filing: up to date. Reserves: approximately 7 months of operating costs. No major red flags from our filing review. 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 82/100 4★ · Good Cause spend N/D Not disclosed in filings Accountability 93/100 Finance beacon Income £594k Latest year 2024 Reserves 7 mo Months of running costs Accounts filing On time Charity Commission Fundraising efficiency not stated · Overhead not disclosed · Website on register · Confidence: high ## How does JUST FINANCE FOUNDATION compare? Clarity Score percentile against similar UK charities — the share of peers JUST FINANCE FOUNDATION scores higher than. Income band (£500k–£1m)55thpercentile **Scores higher than 55% of 2,187 charities in its income band** · 82/100 vs 79 peer average (marker). Poverty relief charities57thpercentile **Scores higher than 57% of 1,502 charities in this cause** · 82/100 vs 78 peer average (marker). ## How reliable is Just Finance Foundation's data? Source Charity Commission (England & Wales) Accounts year 2024 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 Just Finance Foundation'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% | 7 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. 100/100 | 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% | 7 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. | 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. 50/100 | 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). | 100% | 0p per £1 income · 10/10 pts (3-year average) | ### 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% | 10 volunteers / 10 staff · 5/10 pts | [How we calculate beacon scores →](https://www.charitycompare.org.uk/methodology) ## What is Just Finance Foundation's Clarity Score? 82/100 total · Good · 4 of 5 stars Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings. 93/100 Accountability & Transparency 100/100 Financial Health 50/100 Financial Efficiency 50/100 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 oversight7 trustees · 15/15 pts Declared policies7/10 pts ### Financial Health Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts. 100/100 Reserves (months of cash)7 months · 15/15 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. 50/100 Program expense ratioNot stated · 0/10 pts Fundraising efficiency0p per £1 income · 10/10 pts (3-year average) ### Community Support Grassroots backing from Charity Commission workforce data — volunteers vs paid staff. 50/100 Volunteer-to-staff ratio10 volunteers / 10 staff · 5/10 pts ## How much does Just Finance Foundation raise and spend? Latest filed year 2024 · Source: Charity Commission filings | Category | Amount | % of spend | | --- | --- | --- | | Total income | £594k | — | | Total expenditure | £526k | — | | Charitable activities | Not disclosed | — | ## Where does the money go? Latest accounts (2024) · £526k spent. Not disclosed in this filing — the Charity Commission return omits the charitable-activities split. ## What trust indicators does Just Finance Foundation 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) 7 trustees on the Charity Commission register - ✓ Workforce on register 10 employees · 10 volunteers (1:1 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 1172050 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/1172050) ### Trustees & officers - Alison Esther Grieve since 2019 - Christopher James Cummings Chair · since 2022 - Rachel Louisa Elwell since 2023 - Christopher Frederick Hill since 2023 - Benjamin Carl Lucas since 2024 - Right Reverend Mark Wroe BA Hons MA since 2024 - Emma Maree Cleveland 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 Just Finance Foundation'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 Just Finance Foundation? Overall score 82/100 (4★) Income £594k Cause spend Not disclosed Reg number 1172050 Scope UK-wide Reserves 7 months Trustees 7 Accounts year 2024 Filing up to date ## How does JUST FINANCE FOUNDATION compare, and where else can you look? [Compare JUST FINANCE FOUNDATION with others](https://www.charitycompare.org.uk/compare-charities?ids=just-finance-foundation) [More poverty relief charities](https://www.charitycompare.org.uk/browse/poverty) [How we score charities](https://www.charitycompare.org.uk/methodology) ### Where JUST FINANCE FOUNDATION sits The causes this charity is classified under, and other charities working nearby. - [poverty charities](https://www.charitycompare.org.uk/browse/poverty) - [education charities](https://www.charitycompare.org.uk/browse/education) - [community charities](https://www.charitycompare.org.uk/browse/community) - [children charities](https://www.charitycompare.org.uk/browse/children) - [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 Just Finance Foundation'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 82/100 ★★★★★](https://www.charitycompare.org.uk/charity/just-finance-foundation) Lightweight HTML badge (no iframe) — paste anywhere ♥ CharityCompare Clarity Score 82/100 ★★★★★ Copy code ## Frequently asked questions Common questions about Just Finance Foundation's rating, finances, and Charity Commission status. Is Just Finance Foundation a good charity? + Just Finance Foundation scores 82 out of 100 (4 stars — Good) 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 Just Finance Foundation a legitimate charity? + Yes — Just Finance Foundation is a legitimate registered charity (charity number 1172050). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1172050. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact. What is Just Finance Foundation's charity number? + Just Finance Foundation's charity number is 1172050. 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 Just Finance Foundation's charity rating? + Just Finance Foundation scores 82 out of 100 on CharityCompare (4 stars — Good). 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 Just Finance Foundation have reviews and complaints? + CharityCompare does not host public user reviews for Just Finance Foundation. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts. For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate. How much of my donation reaches Just Finance Foundation? + Just Finance Foundation 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 Just Finance Foundation's overheads? + Just Finance Foundation's recent UK regulator filings do not disclose a fundraising or governance cost split, so no official overhead percentage is available. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Just Finance Foundation'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 Just Finance Foundation receive? + Just Finance Foundation reported £594k total income in its 2024 accounts, based on UK regulator filings. Five-year trend: growing. Are Just Finance Foundation'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 Just Finance Foundation based? + Just Finance Foundation is listed at London · UK-wide · SE11 5RR and operates UK-wide, focused on poverty relief. How does CharityCompare score Just Finance Foundation? + We calculate a Clarity Score of 0–100 from four pillars in Just Finance Foundation'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 Just Finance Foundation's most recent accounts cover 2024. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.