Finance Score: -1

Governance Score: 9

Support Score: 9

Low unrestricted reserves: -2
Reasonable growth: +1

Good trustee age range: +3
Dynamic board: +3
Gender balanced board: +3

Grant maker support: +9

Overall GiG Score: 17

C.A.B. CORNWALL

To help people resolve their legal, money and other problems by providing free, confidential, impartial and independent information, advice, advocacy and representation to individuals, and by influencing policymakers.

Analysis by Giving is Great

Positives:

There has been reasonable growth in spending over the last 3 years relative to the previous period
There have been no material income shortfalls in recent years
A significant proportion of recent income was derived from major grant makers including the Government
The Board appears to be well diversified in terms of age and gender and dynamic in terms of composition

Financial issues to consider:

Unrestricted reserves appear to be dangerously low at the latest year end

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E		Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/03/23		£1,794	£1,798	£-4	£0	£859	£441	2.9	73	80
31/03/22		£1,868	£1,725	£143	£0	£873	£438	3	81	67
31/03/21		£1,571	£1,395	£175	£0	£714	£343	3	70	124
31/03/20		£982	£1,073	£-91	£0	£522	£250	2.8	53	98
31/03/19		£1,038	£1,082	£-45	£0	£615	£312	3.5	43	130
31/03/18		£1,128	£1,187	£-59	£0	£646	£354	3.6	46	0
31/03/17		£1,092	£1,209	£-117	£0	£708	£420	4.2	45	0
31/03/16	*	£841	£841	£0	£3	£762	£437	6.2	43	0
31/03/15		£841	£841	£0	£278	£762	£462	6.6	24	0
31/03/14		£967	£920	£47	£17	£762	£437	5.7	20	0
31/03/13		£1,440	£1,495	£-55	£72	£716	£716	5.7	65	0
31/03/12		£1,205	£1,362	£-157	£46	£771	£771	6.8	65	0
31/03/11		£1,558	£1,574	£-17	£40	£928	£928	7.1	65	0
31/03/10	*	£2,287	£1,559	£727	£35	£945	£945	7.3	60	0
31/03/09	*	£460	£242	£217	£0	£0	£0	n/a	0	0
31/03/08	*	£0	£0	£0	n/a	n/a	n/a	n/a	n/a	0
31/03/07	*	£0	£0	£0	n/a	n/a	n/a	n/a	n/a	0
31/03/06	*	£0	£0	£0	n/a	n/a	n/a	n/a	n/a	0
31/03/05	*	£0	£0	£0	n/a	n/a	n/a	n/a	n/a	0
31/03/04		£0	£0	£0	n/a	n/a	n/a	n/a	n/a	0

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Financial Ratios

Fundraising Costs/Relevant Income: 0%
Fundraising Costs/Total Spending: 0%
Highest pay band: Less than £60,000
Liabilities/Assets: 46%
Liabilities/Income: 41%
Unrestricted Funds/Total Funds: 51%
Reserves/Spending: 2.9 months
Net Current Assets/Spending: 3 months
Quick Ratio: 0.8

Asset Split ?

Established: 21 years

www.citizensadvicecornwall.org.uk

cosec@citizensadvicecornwall.org.uk

01579 212025

Charity Commission for England and Wales

Listed activities

Education/Training
Other Charitable Purposes
The Prevention Or Relief Of Poverty

GiG Classification

Social & legal advocacy

How it operates

Other charitable activities
Provides advocacy/advice/information
Provides services
Sponsors or undertakes research

Where it operates

Cornwall,

Who it helps

The General Public/Mankind

Who works here?

73 employees
80 volunteers

Who's supporting them? ?

Donations from Grant Makers ?

We have details on the following significant donations. Multi-year donations are allocated to the years for which they are earmarked.

Major supporters in last 5 years

National Lottery Community Fund	£526,253
DCMS	£92,500
Home Office	£61,719
Access to Justice Foundation	£47,790

Specific Donations

Amount	When Months	To be used for
Garfield Weston Foundation - Main Grants award
£10,000	12/11/2021	Core Costs
National Lottery Community Fund - Community and Rural Team
£526,253	13/07/2021	The organisation will use the funding to recruit a team of paid staff to provide advice on welfare benefits debt consumer housing employment and financial issues to bolster their existing services ....more The organisation will use the funding to recruit a team of paid staff to provide advice on welfare benefits debt consumer housing employment and financial issues to bolster their existing services and enable them to reach out into the more rural inaccessible communities. This will allow them to provide a more resilient and consistent service to those who use Citizens Advice Cornwall.
Home Office - EU Settlement Grant Scheme Funding
£61,719	01/04/2021	This grants scheme will enable organisations to provide practical support to vulnerable EU citizens to help them make their EU Settlement Scheme application by 30 June 2021 and continuing support ....more This grants scheme will enable organisations to provide practical support to vulnerable EU citizens to help them make their EU Settlement Scheme application by 30 June 2021 and continuing support beyond this date. This support could be provided through a range of activities such as information giving, improving understanding of the scheme, provision of technology and direct assistance. It is essential that the support provided via the grants scheme leads to applications submitted to the Home Office. The grant scheme will ensure that the necessary support is available across the UK so that everyone who qualifies for the Scheme can complete the application process by 30 June 2021 and continuing support is available beyond this date.
Access to Justice Foundation - Joint Initiative Emergency Bridging Grant
£2,940	09/03/2021	A flexible grant as part of the Emergency Bridging Fund of the Community Justice Fund. A pooled fund to support the specialist legal welfare advice sector in its response to COVID-19.
Access to Justice Foundation - Joint Initiative Flexible COVID-19 Grant
£44,850	07/09/2020	A flexible grant as part of wave 1 of the Community Justice Fund. A pooled fund to support the specialist legal welfare advice sector in its response to COVID19
DCMS - Coronavirus Community Support Fund
£92,500	05/08/2020	"The fund aims to:1) To reduce closures of essential charities that provide essential services to vulnerable groups during the COVID-19 crisis by ensuring they have the financial resources to ....more "The fund aims to:1) To reduce closures of essential charities that provide essential services to vulnerable groups during the COVID-19 crisis by ensuring they have the financial resources to operate, thereby reducing the burden on public services.2) To ensure essential services are provided to vulnerable people, both in the short and long term through increased community support through the work of charitable organisations."
Cornwall Community Foundation - Citizens Advice Cornwall IT Resilience Covid 19
£10,000	06/07/2020 12	IT equipment to allow client interviews to be held in a safe and efficient environment.
National Lottery Community Fund - Transforming financial habits through community life coaching
£10,000	23/03/2016 12	The group will use the funding to train and support six volunteers in life coaching, focussing on financial support. This will give the volunteers better chances in life by developing new skills, as ....more The group will use the funding to train and support six volunteers in life coaching, focussing on financial support. This will give the volunteers better chances in life by developing new skills, as well as strengthening community cohesion by offering financial advice and support.

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Data sourced from Donors via 360 Giving

How is it governed?

Trustees (7)

Current Trustees appointed

Gender Split

Age Range of Trustees: 38-74

JANE AMANDA ABRAHAM Appointed: 2022, Occupation: Consultant

JONATHAN JAMES PAGET Appointed: 2021, Occupation: Marketing Director

PAMELA ELIZABETH COLE Appointed: 2022, Occupation: Senior Performance Manager

FRANCES ANNE KEENE (Chair) Appointed: 2019, Occupation: Independent Consultant

JOHN BAKER Appointed: 2012, Occupation: Retired Retail Manager

STEPHEN PAUL STOLLIDAY Appointed: 2023, Occupation: Chartered Accountant, Other trusteeship: MICROLOAN FOUNDATION,

SUSAN JANET HOBBS Appointed: 2021, Occupation: None, Other trusteeship: HAMOAZE HOUSE,

Legal constitution

Charitable company registered in England & Wales on 24/02/2003, number: 1096193
Registered at Companies House on 04/04/2002, number: 04409017

Gift Aid

Registered with HMRC for Gift Aid

Other Regulators

Financial Conduct Authority

Policies in force

Complaints handling
Conflicting interests
Investment
Paying staff
Risk management
Safeguarding vulnerable beneficiaries
Volunteer management

Filing Record

20 returns made; AR16: 1 days late, AR10: 30 days late, AR09: 31 days late, AR08: 12 days late, AR07: 9 days late, AR06: 1 days late, AR05: 1 days late,

Main office

Citizens Advice Cornwall
21 Dean Street
LISKEARD
Cornwall
PL14 4AB

Objectives

THE CHARITY’S OBJECTS (‘OBJECTS’) ARE SPECIFICALLY: TO PROMOTE ANY CHARITABLE PURPOSE FOR THE PUBLIC BENEFIT BY THE ADVANCEMENT OF EDUCATION, THE PROTECTION AND PRESERVATION OF HEALTH AND THE RELIEF OF POVERTY, SICKNESS AND DISTRESS IN PARTICULAR, BUT WITHOUT LIMITATION, FOR THE BENEFIT OF THE COMMUNITY IN CORNWALL AND THE ISLES OF SCILLY AND SURROUNDING AREAS.

Defined Area of Benefit:

COUNTY OF CORNWALL, ISLES OF SCILLY AND SURROUNDING AREAS

Data Sources