Finance Score: -3

Governance Score: 6

Support Score: 0

Positive trading contribution: +2;Fundraising costs high: -5

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

No supporters identified

Overall GiG Score: 3

CONSUMERS' ASSOCIATION

We aim to empower consumers to make informed choices about goods and services by undertaking research and publishing the results of that research. In so doing, we aim to change the way markets work to ensure they are fair and work in the best interests of consumers.

Analysis by Giving is Great

Positives:

More than half of total income was derived from trading and fees in the latest year
There have been no material income shortfalls in recent years
The Board appears to be well diversified in terms of age and gender

Financial issues to consider:

Fundraising costs are extremely high relative to funds raised

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
30/06/23		£87,420	£86,199	£1,221	£63,650	£70,419	£70,419	9.8	685
30/06/22		£86,673	£84,863	£1,810	£62,665	£70,212	£70,212	9.9	679
30/06/21		£88,874	£84,618	£4,256	£61,069	£59,661	£59,661	8.5	649
30/06/20		£91,170	£83,493	£7,677	£61,580	£52,406	£52,406	7.5	638
30/06/19		£101,958	£99,563	£2,395	£76,000	£56,406	£56,406	6.8	795
30/06/18		£100,521	£104,157	£-3,636	£77,224	£52,021	£52,021	6	792
30/06/17		£101,147	£104,938	£-3,791	£80,072	£46,336	£46,336	5.3	751
30/06/16		£101,230	£102,138	£-908	£77,828	£49,272	£49,272	5.8	668
30/06/15		£102,831	£98,695	£4,136	£75,899	£52,940	£52,940	6.4	660
30/06/14		£94,729	£94,196	£533	£72,255	£49,513	£49,513	6.3	661
30/06/13		£86,576	£82,596	£3,980	£60,510	£51,638	£51,638	7.5	580
30/06/12		£80,510	£77,619	£2,891	£56,123	£42,156	£42,156	6.5	497
30/06/11		£75,572	£72,124	£3,448	£53,029	£44,237	£44,237	7.4	480
30/06/10		£70,870	£68,168	£2,702	£50,592	£34,503	£34,503	6.1	451
30/06/09		£20,293	£17,117	£3,176	£48,176	£35,212	£35,212	24.7	431
30/06/08		£20,340	£17,283	£3,057	£306	£41,173	£41,173	28.6	230
30/06/07		£20,857	£17,627	£3,230	£260	£40,652	£40,652	27.7	416
30/06/06		£17,159	£16,820	£339	£0	£0	£0	n/a	0
30/06/05	*	£19,488	£16,141	£3,347	£0	£0	£0	n/a	0
30/06/04		£17,460	£16,787	£673	£0	£0	£0	n/a	0

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Financial Ratios

Fundraising Costs/Relevant Income: 39318.5%
Fundraising Costs/Total Spending: 73.9%
Senior Staff Costs/Total Spending: 26%
Highest pay band: £350,000-£400,000
Liabilities/Assets: 22%
Liabilities/Income: 23%
Unrestricted Funds/Total Funds: 100%
Reserves/Spending: 9.8 months
Net Current Assets/Spending: 0 months
Quick Ratio: 0.7

Asset Split ?

Established: 37 years
(67 years as a company)

www.which.co.uk

which@which.co.uk

02077707000

Charity Commission for England and Wales

Listed activities

Education/Training

GiG Classification

Social & legal advocacy

How it operates

Provides advocacy/advice/information
Sponsors or undertakes research

Where it operates

Throughout England And Wales,

Who it helps

The General Public/Mankind

Who works here?

685 employees

Who's supporting them? ?

We have no records of donations from grant makers.

How is it governed?

Trustees (12)

Current Trustees appointed

Gender Split

Age Range of Trustees: 42-72

CHRISTOPHER JOHN WOOLARD CBE Appointed: 2021

CINDY RAMPERSAUD Appointed: 2022 Occupation: Company Director

CAROLINE MARY BAKER Appointed: 2017 Occupation: Head Of Hr

CHRISTINE FORDE Appointed: 2018 Occupation: Solicitor

CHARLES DAVID WANDER Appointed: 2019 Occupation: Solicitor

DAVID PETER WOODWARD Appointed: 2018 Occupation: Director

DONALD GRANT Appointed: 2016 Occupation: Company Director & Researcher

JAMES SAMUEL YOUNGER (Chair) Appointed: 2020 Occupation: Director

MELANIE GRIFFITHS Appointed: 2019 Occupation: Banker

RICHARD DAVID SIBBICK Appointed: 2019 Occupation: Mechanical Engineer

SHARON GRANT OBE Appointed: 2018, Other trusteeships: THE BERNIE GRANT TRUST, EAST PECKHAM HISTORY TRUST, HARINGEY CIRCLE,

ADAM EMMANUEL SHUTKEVER Appointed: 2022 Occupation: Director, Other trusteeship: The For Baby's Sake Trust,

Adam has extensive senior management experience in the banking, investment and professional services sectors. After reading Law at Clare College, he was called to the Bar in 1986. He then pursued a career in investment banking as CFO of Accord plc and following its sale, founded the law firm, Riverview Law which was sold to EY in 2018.

Legal constitution

Charitable company registered in England & Wales on 02/02/1987, number: 296072
Registered at Companies House on 18/03/1957, number: 00580128

Gift Aid

NOT registered with HMRC for Gift Aid

Policies in force

Bullying and harassment policy and procedures
Campaigns and political activity policy and procedures
Complaints handling
Complaints policy and procedures
Conflicting interests
Financial reserves policy and procedures
Internal charity financial controls policy and procedures
Internal risk management policy and procedures
Investing charity funds policy and procedures
Investment
Paying staff
Risk management
Safeguarding policy and procedures
Serious incident reporting policy and procedures
Social media policy and procedures
Trustee conflicts of interest policy and procedures
Trustee expenses policy and procedures

Filing Record

20 returns made; AR05: 38 days late,

Main office

CONSUMERS ASSOCIATION LTD
2 MARYLEBONE ROAD
LONDON
NW1 4DF

Objectives

2.1 The objects for which the Association is established are, for the public benefit:2.1.1 to advance education in such ways as the Trustees think fit including through:(a) undertaking, promoting and disseminating impartial, scientific and/or evidence-based analysis of or research into:(i) the standards of goods and services available to the public as consumers; and (ii) ways in which the quality, safety and availability of such goods and services may be maintained and improved;(b) promoting and improving knowledge and understanding of:(i) laws, regulations, public policies and business practices so as to empower consumers in their everyday lives; (ii) any aspect of public health and in the principles of physical and mental health; and(iii) life skills including those relating to personal finance, digital and technology, horticulture and the home;2.1.2 to uphold and promote compliance with consumer laws, regulations and public policies in particular through the exercise of the Association's statutory powers for the benefit or protection of the rights of consumers;2.1.3 to protect and promote the safety of consumers; and2.1.4 to promote the interests of consumers who are restricted from accessing or using goods, services or data because of their youth, age, ill-health, disability, financial hardship or other disadvantage.

Defined Area of Benefit:

NOT DEFINED

Data Sources