Poverty relief · Reg 210173
Lloyd's Patriotic Fund
Charity rating & review
77/100 Clarity Score · 4 stars · Charity Commission filings · How we score
Clarity score
Good
Quick answer
Is Lloyd's Patriotic Fund a good charity?
Lloyd's Patriotic Fund scores 77/100 (4 stars, Good) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2024 (£439k total income, 95% 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.
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What does Lloyd's Patriotic Fund do?
Lloyd's Patriotic Fund is a registered charity (no. 210173) working in poverty relief across the United Kingdom. Its latest Charity Commission filing directs 95% of spending to charitable activities, holding roughly 5 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.
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In short: LLOYD'S PATRIOTIC FUND scores 77 out of 100 (4 stars). 95% average program spend (Latest year, disclosed years only). Filings are up to date with no major concerns.
What is Lloyd's Patriotic Fund?
Lloyd's Patriotic Fund has a Clarity Score of 77 out of 100 on CharityCompare (4 stars, Good). Charity Commission registration number 210173. Status: Registered. Primary cause area: Poverty relief. Latest accounts year 2024: total income £439k, with 95% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 5 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, last updated .
Overall score
77/100
4★ · Good
Cause spend
95%
latest year · charitable activities
Accountability
93/100
Finance beacon
Income
£439k
Latest year 2024
Reserves
5 mo
Months of running costs
Accounts filing
On time
Charity Commission
£78.0 raised per £1 fundraising (latest year) · 2% overhead · Website on register · Confidence: high
How does LLOYD'S PATRIOTIC FUND compare?
Clarity Score percentile against similar UK charities — the share of peers LLOYD'S PATRIOTIC FUND scores higher than.
Scores higher than 67% of 972 charities in its income band · 77/100 vs 70 peer average (marker).
Scores higher than 41% of 1,502 charities in this cause · 77/100 vs 78 peer average (marker).
How reliable is Lloyd's Patriotic Fund's data?
- Source
- Charity Commission (England & Wales)
- Accounts year
- 2024
- Filing date
- Profile reviewed
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, Office of the Scottish Charity Regulator and Charity Commission for Northern Ireland. Open Government Licence v3.0 .
What is Lloyd's Patriotic Fund'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% | 10 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.
67/100
| 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% | 5 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. | 0% | 0/10 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% | 95% · 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% | 1p 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 |
What is Lloyd's Patriotic Fund's Clarity Score?
77/100 total · Good · 4 of 5 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.
93/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
67/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
100/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
How much does Lloyd's Patriotic Fund raise and spend?
Latest filed year 2024 · Source: Charity Commission filings
| Category | Amount | % of spend |
|---|---|---|
| Total income | £439k | — |
| Total expenditure | £256k | — |
| Charitable activities | Not disclosed | — |
Where does the money go?
Latest accounts (2024) · £256k spent. Not disclosed in this filing — the Charity Commission return omits the charitable-activities split.
What trust indicators does Lloyd's Patriotic Fund have?
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
up to date · last filing
-
Trustee board size (3–12)
10 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 210173
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Edward Butler Chair · since 2019
- Simon Maxwell since 2023
- James de Labilliere since 2023
- Warren Clegg since 2024
- Sean McGovern since 2024
- Mark Keville since 2024
- Nicola West since 2024
- Jane Warren since 2025
- Nigel Somerville since 2025
- Hannah Rowland since 2025
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.
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 Lloyd's Patriotic Fund'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 Lloyd's Patriotic Fund?
- Overall score
- 77/100 (4★)
- Income
- £439k
- Cause spend
- 95% of expenditure
- Reg number
- 210173
- Scope
- UK-wide
- Reserves
- 5 months
- Trustees
- 10
- Accounts year
- 2024
- Filing
- up to date
How does LLOYD'S PATRIOTIC FUND compare, and where else can you look?
Where LLOYD'S PATRIOTIC FUND sits
The causes this charity is classified under, and other charities working nearby.
Similar poverty relief charities
Top-rated peers by CharityCompare score
- AMOS TRUST 100/100 · £2.6m
- SUFRA - NW LONDON 100/100 · £1.7m
- WILDERNESS FOUNDATION UK 100/100 · £1.6m
- BIRMINGHAM CITY MISSION 100/100 · £1.4m
How can you share Lloyd's Patriotic Fund's rating?
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Frequently asked questions
Common questions about Lloyd's Patriotic Fund's rating, finances, and Charity Commission status.
Is Lloyd's Patriotic Fund a good charity? +
Lloyd's Patriotic Fund scores 77 out of 100 (4 stars — Good) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 95% 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 Lloyd's Patriotic Fund a legitimate charity? +
Yes — Lloyd's Patriotic Fund is a legitimate registered charity (charity number 210173). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/210173. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact.
What is Lloyd's Patriotic Fund's charity number? +
Lloyd's Patriotic Fund's charity number is 210173. 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 Lloyd's Patriotic Fund's charity rating? +
Lloyd's Patriotic Fund scores 77 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 Lloyd's Patriotic Fund have reviews and complaints? +
CharityCompare does not host public user reviews for Lloyd's Patriotic Fund. 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 Lloyd's Patriotic Fund? +
According to its 2024 regulator filing, 95% of Lloyd's Patriotic Fund'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 Lloyd's Patriotic Fund's overheads? +
According to its 2024 regulator filing, fundraising costs were about 5% of total expenditure and combined overheads (fundraising plus governance) were about 2% of total expenditure at Lloyd's Patriotic Fund. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Lloyd's Patriotic Fund'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 Lloyd's Patriotic Fund receive? +
Lloyd's Patriotic Fund reported £439k total income in its 2024 accounts, based on UK regulator filings. Five-year trend: stable.
Are Lloyd's Patriotic Fund'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 Lloyd's Patriotic Fund based? +
Lloyd's Patriotic Fund is listed at London · UK-wide · EC3M 7HA and operates UK-wide, focused on poverty relief.
How does CharityCompare score Lloyd's Patriotic Fund? +
We calculate a Clarity Score of 0–100 from four pillars in Lloyd's Patriotic Fund'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 Lloyd's Patriotic Fund'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.