Finance Score: 6

Governance Score: 8

Support Score: 6

Good reserves management: +3
Fundraising costs low: +3

12+ Trustees: -1
Good trustee age range: +3
Dynamic board: +3
Gender balanced board: +3

Grant maker support: +6

Overall GiG Score: 20

CHESTERFIELD CITIZENS ADVICE BUREAU

Chesterfield CAB is an independent advice agency which exists to ensure people do not suffer as a result of the ignorance of their legal rights.

Analysis by Giving is Great

Positives:

Reserves management has been consistently within official guidelines
There have been no material income shortfalls in recent years
Fundraising costs are unusually low relative to funds raised
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

Regulatory & Governance issues to consider:

There are 14 trustees whereas the Charities Commission recommends a maximum of 12

Established: 36 years

www.chesterfieldcab.co.uk

admin@chesterfieldcab.co.uk

01246209164

Charity Commission for England and Wales

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		£614	£581	£33	£4	£376	£373	7.7	19	23
31/03/22		£539	£501	£38	£0	£343	£342	8.2	19	22
31/03/21		£511	£483	£28	£0	£305	£305	7.6	18	35
31/03/20		£528	£502	£25	£0	£277	£277	6.6	19	34
31/03/19		£461	£461	£0	n/a	n/a	n/a	n/a	n/a	43
31/03/18		£501	£481	£19	£0	£251	£251	6.3	19	0
31/03/17		£546	£532	£14	£0	£232	£232	5.2	19	0
31/03/16		£587	£568	£19	£0	£218	£216	4.6	20	0
31/03/15		£571	£543	£28	£3	£219	£218	4.8	16	0
31/03/14		£527	£501	£25	£3	£190	£189	4.5	15	0
31/03/13		£538	£514	£24	£3	£165	£155	3.6	15	0
31/03/12		£562	£517	£44	£0	£141	£137	3.2	15	0
31/03/11		£534	£534	£0	£0	£96	£95	2.1	14	0
31/03/10		£561	£530	£31	£2	£96	£95	2.2	15	0
31/03/09		£482	£463	£18	£0	£0	£0	n/a	0	0
31/03/08		£411	£438	£-27	£0	£0	£0	n/a	0	0
31/03/07		£381	£393	£-12	£0	£0	£0	n/a	0	0
31/03/06		£436	£451	£-15	£0	£0	£0	n/a	0	0
31/03/05		£488	£475	£13	£0	£0	£0	n/a	0	0
31/03/04	*	£390	£384	£6	£0	£0	£0	n/a	0	0

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Financial Ratios

Fundraising Costs/Relevant Income: 0.7%
Fundraising Costs/Total Spending: 0.7%
Highest pay band: Less than £60,000
Liabilities/Assets: 20%
Liabilities/Income: 16%
Unrestricted Funds/Total Funds: 99%
Reserves/Spending: 7.7 months
Net Current Assets/Spending: 8 months
Quick Ratio: 4.9

Asset Split ?

What it does

General Charitable Purposes

Who works here?

19 employees
23 volunteers

Who it helps

The General Public/Mankind

How it operates

Provides advocacy/advice/information

Where it operates

Derbyshire,

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	£166,004
DCMS	£26,215
Lloyds Bank Foundation	£6,352

Specific Donations

Amount	When Months	To be used for
National Lottery Community Fund - Money Skills for Life - Better Supporting Young People
£166,004	01/03/2021 35	The funding will be used over a period of three years to allow the group to provide tailored coaching and support so that young people are better able to better transition to adulthood and undertake ....more The funding will be used over a period of three years to allow the group to provide tailored coaching and support so that young people are better able to better transition to adulthood and undertake employment apprenticeships study or other life opportunities in the context of the challenges and recovery from Covid-19.
DCMS - Coronavirus Community Support Fund
£26,215	29/07/2020	"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."
Lloyds Bank Foundation - Variation grant to CAB - Chesterfield
£6,352	23/07/2020	Grant to CAB - Chesterfield meeting the additional costs of adapting services, premises or implementing other safety measures in response to the Covid pandemic.
Lloyds Bank Foundation - Grant to CAB - Chesterfield
£14,973	25/07/2018 12	The grant will support this CABx in developing pilot work in the local mental health unit ensuring support is available for individuals prior to discharge ensuring a more secure transition back into ....more The grant will support this CABx in developing pilot work in the local mental health unit ensuring support is available for individuals prior to discharge ensuring a more secure transition back into the community
National Lottery Community Fund - Money Skills Through Life
£171,325	16/11/2016 36	The project will provide financial advice to vulnerable members of the community who have suffered â€˜life shockâ€™ events such as domestic abuse, homelessness, mental health, addiction or ....more The project will provide financial advice to vulnerable members of the community who have suffered â€˜life shockâ€™ events such as domestic abuse, homelessness, mental health, addiction or other critical life events. Learning will be delivered through person-centred tailored one to one sessions covering skills including budgeting, understanding credit, managing costs, banking and emergency funds focused on living safe and secure. This will be more intensive with a higher degree of support.
National Lottery Community Fund - MONEY MATTERS (FINANCIAL EXCLUSION) PROJECT
£219,160	21/11/2012 48	Chesterfield Citizens Advice Bureau will expand its project to improve the health and wellbeing of financially excluded people providing training in money skills including tackling the root causes ....more Chesterfield Citizens Advice Bureau will expand its project to improve the health and wellbeing of financially excluded people providing training in money skills including tackling the root causes such as the mistrust of financial providers and a lack of financial confidence.

Data sourced from Donors via 360 Giving

How is it governed?

Trustees (14)

Current Trustees appointed

Gender Split

Age Range of Trustees: 25-78

ANDREW RICHES Appointed: 2021, Occupation: Retired

DAVID SHAW Appointed: 2011, Occupation: None, Other trusteeship: UNCLE BILLY'S CHILDREN'S FUND,

GRAHAM ARCHER Appointed: 2018, Occupation: Retired

IAN GARNET FORD (Chair) Appointed: 2022, Occupation: Retired, Other trusteeship: The UK Colour Pencil Society,

LINDA MOORE Appointed: 2011, Occupation: Retired

LINDA BILLINGTON Appointed: 2021, Occupation: Retired

MARGARET JANE KELLMAN Appointed: 2023, Occupation: Welfare Rights Worker

MARGARET KELLMAN Appointed: 2023, Occupation: Welfare Rights Worker

MARK ANTHONY HIGGINBOTTOM Appointed: 2013, Occupation: Assistant Bank Manager

PHOEBE SELLARS Appointed: 2021, Occupation: Business Development And Loan Manager

ROBERT HENRY BROCK Appointed: 2023, Occupation: Retired

ROBERT HENRY BROCK Appointed: 2023, Occupation: Retired

STUART BRITTAIN Appointed: 2003, Occupation: R M Manager

THOMAS CLIFFORD JACK FLETCHER Appointed: 2022, Occupation: Caseworker

Legal constitution

Charitable company registered in England & Wales on 27/09/1988, number: 700481
Registered at Companies House on 13/05/1988, number: 02258106

Gift Aid

Registered with HMRC for Gift Aid

Other Regulators

Financial Conduct Authority

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
Paying staff
Risk management
Safeguarding policy and procedures
Safeguarding vulnerable beneficiaries
Serious incident reporting policy and procedures
Social media policy and procedures
Trustee conflicts of interest policy and procedures
Trustee expenses policy and procedures
Volunteer management

Filing Record

20 returns made; AR04: 1 days late,

Main office

CHESTERFIELD C A B
6-8 BROAD PAVEMENT
CHESTERFIELD
DERBYSHIRE
S40 1RP

Objectives

THE PROMOTION OF ANY CHARITABLE PURPOSES FOR THE BENEFIT OF THE COMMUNITY IN THE AREA OF CHESTERFIELD BOROUGH COUNCIL, NORTH EAST DERBYSHIRE DISTRICT COUNCIL AND BOLSOVER DISTRICT COUNCIL BY THE ADVANCEMENT OF EDUCATION, THE PROTECTION OF HEALTH AND THE RELIEF OF POVERTY, SICKNESS AND DISTRESS.

Defined Area of Benefit:

SEE OBJECTS

Data Sources