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Registered charity · Leeds

Foundation for Credit Counselling

  • 12 trustees
  • Income £65m (2025)
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Official record Charity Commission · updated 4th October 2026 · Sources

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Who leads it

Current trustees as listed by the Charity Commission, which does not publish previous trustees.

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About

What it does
The Prevention Or Relief Of Poverty
Where
Throughout England And Wales, Scotland, Northern Ireland
Website
www.stepchange.org (opens in a new tab)
Linked company
Foundation for Credit Counselling
Registered
1993

Income and spending

  • YearIncomeSpending
  • 2025£65m£62m
  • 2024£58m£60m
  • 2023£55m£59m
Earlier years
  • 2022£62m£60m
  • 2021£61m£62m

Income trend, 2021 to 2025.

Income source mix, 2025: Government grants 2%. From the charity's annual return.

Charitable objects

3.1 THE PREVENTION OR RELIEF OF POVERTY AMONGST PERSONS WHO ARE IN DEBT (PARTICULARLY IN THE UNITED KINGDOM) BY: (1) THE PROVISION OF ADVICE TO ASSIST SUCH PERSONS TO RE-SCHEDULE AND RE-FINANCE THEIR BORROWINGS; (2) THE PROVISION OF FINANCIAL EDUCATION TO ENABLE SUCH PERSONS TO MANAGE THEIR FINANCES MORE EFFECTIVELY; (3) THE ESTABLISHMENT AND SUPPORT OF COUNSELLING CENTRES TO WHICH PERSONS MAY RESORT FOR ADVICE ON DEBT MATTERS GENERALLY; (4) THE ESTABLISHMENT OF AN INSOLVENCY PRACTICE TO WHICH SUCH PERSONS MAY RESORT AS AN ALTERNATIVE SOLUTION TO DEBT PROBLEMS; AND (5) THE ESTABLISHMENT OF SUCH OTHER SERVICES OR PRODUCTS FOR THE PUBLIC BENEFIT TO ASSIST IN THE RELIEF OF POVERTY3.2 TO ADVANCE THE EDUCATION OF THE PUBLIC IN GENERAL (AND PARTICULARLY AMONGST PERSONS IN DEBT OR AT RISK OF FALLING INTO DEBT) ON THE SUBJECT OF FINANCIAL BUDGETING, FINANCIAL PRODUCTS AND FINANCIAL SERVICES

Grants received

6 grants · £104,864 total

360Giving data, published by funders. Coverage only includes funders who publish their grants to 360Giving, so these figures are a floor, not a complete picture.

Top funders

Most recent

Board analysis

Board DNA

How this board is put together, from Charity Commission trustee records and Companies House - deterministic, no AI.iBoard compositionCounted from the dated Charity Commission trustee register: the current board only, past trustees excluded.

12 trustees on the board

3.8y median 3y
average tenure
7y
longest tenure

Trustees past 6 years

10.7y
average years in governance

First-time vs portfolio trustees

First-time (10)

Portfolio (2)

12
company-linked trustees

Sector coverage iSector coverageThe charitable fields this board's trustees govern in elsewhere, by Charity Commission classification. Excludes this charity.

The Prevention Or Relief Of Poverty 12General Charitable Purposes 2Education/training 1

Commercial experience iCommercial experienceThe industries this board's members are company directors in, by Companies House SIC code. Excludes this organisation's own company.

Finance 27Education 5Professional services 5

Succession forecast iSuccession forecastThe number of board seats likely to open in the next twelve months - summed across the board from each dated trustee’s tenure - and the profile worth recruiting next. From the filed record, deterministic.

🔒 Succession forecast is a Pro feature - the board seats likely to open in the next year and the ideal next trustee. Explore Pro →

Health of the organisation facts side by side - the conclusion is yours

Income v spending, filed accountsiIncome v spendingTotal gross income and expenditure from filed annual returns, Charity Commission, last 5 years.
2020
2021
2022
2023
2024
incomespending£58.4m latest income · spending exceeded income in 2023 and 2024
ReservesiReserves12 x free reserves / annual expenditure, from the Part B annual return. The sector median is computed across all Part B filers in the same income band.

2.6 months of spending held in free reserves · median for charities its size: 3.5 months · was 3.3 in 2020

1137 from 1527 in 2020
EmployeesiEmployeesHeadcount as filed in Part B annual returns, per financial year. Shown exactly as filed; year-on-year figures may be filed on different bases, so a comparison is only shown when the filings are plausibly comparable.

Sources

Official record from the Charity Commission register for England and Wales. Governance Register calculates the connections.

Record details
Registered charity number
1016630
Status
Registered
Governing document
MEMORANDUM AND ARTICLES INCORPORATED 19/10/1992AS AMENDED BY SPECIAL RESOLUTION(S) DATED 23/02/1999AS AMENDED BY SPECIAL RESOLUTION(S) DATED 01/07/2003AS AMENDED BY SPECIAL RESOLUTION(S) DATED 06/02/2004AS AMENDED BY SPECIAL RESOLUTION(S) DATED 13/06/2006AS AMENDED BY SPECIAL RESOLUTION(S) DATED 02/11/2007AS AMENDED BY SPECIAL RESOLUTION(S) DATED 22/06/2009AS AMENDED BY SPECIAL RESOLUTION(S) DATED 12/10/2012AS AMENDED BY SPECIAL RESOLUTION(S) DATED 07/04/2014AS AMENDED BY SPECIAL RESOLUTION(S) DATED 08/12/2015AS AMENDED BY SPECIAL RESOLUTION(S) DATED 30 APR 2019
Companies House
Company number 02757055 · Active
Contact on the register
08001381111 · contactus@stepchange.org
Edition
Register edition compiled 4th October 2026
Labels
Official record from the register · Calculated derived by Governance Register. Anything added by an organisation or person is labelled as provided by them.

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