Children & youth · Reg 1122206
SPEAR HOUSING ASSOCIATION LIMITED
Charity rating & review
75/100 Clarity Score · 3 stars · Charity Commission filings · How we score
Clarity score
Good
Is SPEAR HOUSING ASSOCIATION LIMITED a good charity?
SPEAR HOUSING ASSOCIATION LIMITED scores 75/100 (Good) on our Clarity Score, with 96% 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
SPEAR HOUSING ASSOCIATION LIMITED is a registered charity (no. 1122206) working in children & youth in TW1 4AW. Its latest Charity Commission filing directs 96% of spending to charitable activities, holding roughly 12 months of reserves, though its recent accounts were filed late. Income has been growing 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.
In short: SPEAR HOUSING ASSOCIATION LIMITED scores 75 out of 100 (3 stars). 96% average program spend (3-year average). Review the pillar breakdown below.
Overview
SPEAR HOUSING ASSOCIATION LIMITED has a Clarity Score of 75 out of 100 on CharityCompare (3 stars, Good). Charity Commission registration number 1122206. Status: Registered. Primary cause area: Children & youth. Latest accounts year 2021: total income £5.2m, with 96% of expenditure on charitable activities. Accounts filing: late. Reserves: approximately 12 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, last updated .
Overall score
75/100
3★ · Good
Cause spend
96%
3-yr avg · charitable activities
Accountability
75/100
Finance beacon
Income
£5.2m
Latest year 2021
Reserves
12 mo
Months of running costs
Accounts filing
Late
Check register
£26.1 raised per £1 fundraising (3-yr avg) · 5% overhead · Website on register · Confidence: medium
How SPEAR HOUSING ASSOCIATION LIMITED compares
Clarity Score benchmarked against similar UK charities — higher is better.
Ranks higher than 40% of 716 charities in its income band.
Ranks higher than 41% of 3,988 charities in this cause.
Data & confidence
- Source
- Charity Commission (E&W)
- Accounts year
- 2021
- 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.
75/100
| 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). | 100% | 9 trustees · 15/15 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.
67/100
| 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. | 100% | 12 months · 15/15 pts |
| Income stability / growth Positive or stable three-year revenue trend = 10 pts · sustained decline = 0 pts. | 0% | 0/10 pts · 3-year average |
| Liabilities to assets Low debt (< 30% liabilities to assets) = 5 pts · high debt = 0 pts. | 100% | 9% · 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 ≥ 75% on charitable activities = 10 pts · 60–75% = 5 pts · below 60% = 0 pts. | 100% | 96% · 10/10 pts (3-year average) |
| Fundraising efficiency Spends ≤ £0.20 to raise £1 = 10 pts · £0.21–£0.35 = 5 pts · above £0.35 = 0 pts (fundraising cost ÷ income). | 100% | 4p 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 More volunteers than paid staff = 10 pts · equal mix = 5 pts · no volunteers = 0 pts. | 50% | 64 volunteers / 74 staff · 5/10 pts |
Clarity Score
75/100 total · Good · 3 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.
75/100
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.
50/100
Revenue & expenses
Latest filed year 2021 · Source: Charity Commission annual accounts
| Category | Amount | % of spend |
|---|---|---|
| Total income | £5.2m | — |
| Total expenditure | £4.9m | — |
| Charitable activities | £4.7m | 95% |
| Fundraising | £240k | 5% |
Where the money goes
Latest accounts (2021) · £4.9m spent
- Charitable activities95% · £4.7m
- Fundraising5% · £240k
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)
9 trustees on the Charity Commission register
-
Workforce on register
74 employees · 64 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 →Official register
Reg 1122206
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- JACK STEPHEN since 2018
- CHARLOTTA CAMPANALE since 2018
- Duncan Richford since 2018
- CHRISTINE REAY since 2018
- Nigel David Bloomer since 2020
- Michael Dickson since 2025
- Leslye Anne Jourdan-Whittaker since 2025
- Matthew Charles Gibson since 2025
- Glenda Ann Duggan since 2026
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
- 75/100 (3★)
- Income
- £5.2m
- Cause spend
- 96% of expenditure
- Reg number
- 1122206
- Scope
- Local (—)
- Reserves
- 12 months
- Trustees
- 9
- Accounts year
- 2021
- Filing
- late
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Red flags
Frequently asked questions
Common questions about SPEAR HOUSING ASSOCIATION LIMITED's rating, finances, and Charity Commission status.
What is SPEAR HOUSING ASSOCIATION LIMITED's charity rating? +
SPEAR HOUSING ASSOCIATION LIMITED scores 75 out of 100 on CharityCompare (3 stars — Good). 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 SPEAR HOUSING ASSOCIATION LIMITED a good charity to donate to? +
SPEAR HOUSING ASSOCIATION LIMITED scores 75 out of 100 (3 stars — Good) on CharityCompare's Clarity Score, our independent read of its Charity Commission filings. Around 96% 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 SPEAR HOUSING ASSOCIATION LIMITED a legitimate UK charity? +
Yes — SPEAR HOUSING ASSOCIATION LIMITED is registered with the Charity Commission for England and Wales under registration number 1122206. You can verify the entry on the official register.
What is SPEAR HOUSING ASSOCIATION LIMITED's Charity Commission registration number? +
SPEAR HOUSING ASSOCIATION LIMITED's registration number is 1122206. Official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1122206
How much income does SPEAR HOUSING ASSOCIATION LIMITED receive? +
SPEAR HOUSING ASSOCIATION LIMITED reported £5.2m total income in its 2021 accounts, based on Charity Commission filings. Five-year trend: growing.
What percentage of SPEAR HOUSING ASSOCIATION LIMITED's spending goes to charitable activities? +
Approximately 96% of total expenditure went to charitable activities in the latest filed year. Fundraising was 4% and combined overhead (fundraising plus governance) was 5%.
Are SPEAR HOUSING ASSOCIATION LIMITED'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 SPEAR HOUSING ASSOCIATION LIMITED based? +
SPEAR HOUSING ASSOCIATION LIMITED is listed at TW1 4AW, focused on children & youth.
How does CharityCompare score SPEAR HOUSING ASSOCIATION LIMITED? +
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 SPEAR HOUSING ASSOCIATION LIMITED? +
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 SPEAR HOUSING ASSOCIATION LIMITED with other charities? +
Use our free compare tool to put SPEAR HOUSING ASSOCIATION LIMITED side-by-side with other UK charities on scores, finances, and filing status.