OPPORTUNITY INTERNATIONAL UNITED KINGDOM

Charity number: 1107713
Charity reporting is up to date (on time)

Charity overview

Activities - how the charity spends its money

The charity through its Implementing Partners provides microfinance services to the poor, mostly in Africa. The microfinance services range from providing a safe and secure place for the poor to safeguard their savings, financial education, training as well as microfinance loans.

Income and expenditure

Data for financial year ending 31 December 2024

Total income:
£1,797,692

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Donations and legacies £1.59m
Charitable activities £0
Other trading activities £0
Investments £203.43k
Other £6.50k

Total expenditure:
£3,337,191

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Raising funds £525.44k
Charitable activities £2.81m
Other £0

£0 investments gains (losses)

Charitable expenditure

Charitable expenditure

Some charities generate all, or a substantial part, of their income from investments which may have been donated to the charity as endowment or set aside by the charity from its own resources in the past. Such investments usually take the form of stocks and shares but may include other assets, such as property, that are capable of generating income and/or capital growth.

In managing their spending and investments charities need to strike a balance between the needs of future and current beneficiaries. They also need to take account of spending commitments that may stretch over a number of future years. To do this, charities will normally adopt an investment strategy designed to generate both income and capital growth. To maximise returns trustees may commit to investment strategies for several years.

Investments can experience large swings in value so trustees may, in a particular year, decide to realise and spend part of their charity’s capital or to invest part of its income.

By clicking the investment gains checkbox the charitable spending bar is adjusted to take account of capital growth as well as income. This shows the balance the charity is striking, between spending on current beneficiaries and retaining resources for future beneficiaries.

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Raising funds and other expenditure £525.44k
Charitable expenditure £2.81m

People

13 Employee(s)

11 Trustee(s)

Employees with total benefits over £60,000

Number of employees
£60k to £70k 2
£80k to £90k 1
£100k to £110k 1

Fundraising

No information available

Trading

This charity does not have any trading subsidiaries.

Trustee payments

No trustees receive any remuneration, payments or benefits from the charity.

What, who, how, where

What the charity does:
  • General Charitable Purposes
  • The Prevention Or Relief Of Poverty
  • Other Charitable Purposes
Who the charity helps:
  • Other Defined Groups
How the charity helps:
  • Makes Grants To Organisations
  • Other Charitable Activities
Where the charity operates:
  • Throughout England And Wales
  • Ghana
  • Malawi
  • Pakistan
  • Rwanda
  • Scotland
  • Uganda

Governance

Registration history:
  • 19 January 2005: Standard registration
Organisation type:
Charitable company
Other names:
  • OPPORTUNITY UK (Working name)
Company number:
05322719 Open in new window
Gift aid:
Recognised by HMRC for gift aid
Other regulators:
No information available
Policies:
  • Bullying and harassment 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
  • 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
Land and property:
This charity owns and/or leases land or property

Trustees

Trustees are the people responsible for controlling the work, management and administration of the charity on behalf of its beneficiaries. Generally trustees are treasurer, chair, board member etc. The trustees are responsible for keeping this list up to date and can do this by updating their details as they happen through the online service

11 Trustee(s)

Name Role Date of appointment Other trusteeships Reporting status of other trusteeships
Tabitha Eccles Trustee 13 May 2025
OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED
Received: On time
David Charles Irving Thomson Trustee 10 March 2025
None on record
David John Burndred Trustee 03 December 2024
OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED
Received: On time
Michael Thomas Andrew Gough Trustee 03 December 2024
None on record
Eugenia Ama Adofo Trustee 03 December 2024
None on record
Samantha Bamert Trustee 13 June 2023
None on record
Simon Benedict Martin Trustee 06 December 2022
WITH COMMUNITY LIMITED
Tineyi Emmanuel Mawocha Trustee 22 September 2020
None on record
Roger Mark Witcomb Trustee 12 June 2018
OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED
Received: On time
Michael Crofton-Briggs Trustee 10 October 2017
COMMUNITY EMERGENCY FOODBANK
Received: On time
CLIFFORD SAMUEL HERBERT HAMPTON Trustee 15 August 2013
THE MARSHGATE CHARITABLE SETTLEMENT
Received: On time
OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED
Received: On time

Financial history

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Financial period end date

Income / Expenditure 31/12/2020 31/12/2021 31/12/2022 31/12/2023 31/12/2024
Total gross income £2.91m £4.26m £2.64m £2.72m £1.80m
Total expenditure £3.22m £2.98m £4.10m £2.76m £3.34m
Income from government contracts N/A N/A N/A N/A N/A
Income from government grants £1.48m £1.83m £218.12k £150.00k N/A
Income - Donations and legacies £2.87m £4.16m £2.37m £2.56m £1.59m
Income - Other trading activities £0 £0 £0 £0 £0
Income - Charitable activities £0 £0 £0 £0 £0
Income - Endowments £0 £0 £0 £0 £0
Income - Investment £10.26k £8.71k £15.62k £143.43k £203.43k
Income - Other £33.26k £94.95k £249.00k £17.00k £6.50k
Income - Legacies £255.19k £459.89k £489.25k £108.94k £13.69k
Expenditure - Charitable activities £2.83m £2.57m £3.63m £2.32m £2.81m
Expenditure - Raising funds £384.94k £414.38k £471.58k £433.64k £525.44k
Expenditure - Governance £11.34k £14.34k £17.06k £28.34k £28.75k
Expenditure - Grants institution £0 £0 £0 £0 £0
Expenditure - Investment management £0 £0 £0 £0 £0
Expenditure - Other £0 £0 £0 £0 £0

Assets and liabilities

Definitions for assets and liabilities
Own use assets

These are assets, other than investments, which are held for more than 12 months and used to run and administer the charity such as buildings, offices, exhibits and fixtures and fittings.

Long term Investments

Investments are assets held by the charity with the sole aim of generating income which will be used for their charitable purposes such as deposit accounts, shares, rental property and unit trusts.
Investment assets are re-valued every year and included in the balance sheet at their current market value.
Long term investments are held for more than 12 months.

Other assets

These are assets held generally for less than 12 months such as cash and bank balances, debtors, investments to be sold within the coming year and trading stock.

Defined benefit pension scheme asset or liability

This is a surplus or deficit in any defined benefit pension scheme operated and represents a potential long-term asset or liability.

Total liabilities

These are all the amounts owed by the charity at the balance sheet date to third parties such as bills due but not yet paid, bank overdrafts and loans and mortgages.

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Asset / Liability 31/12/2020 31/12/2021 31/12/2022 31/12/2023 31/12/2024
Own use assets £10.51k £5.69k £5.50k £8.34k £6.76k
Long-term investments £2.20m £2.62m £910.05k £796.52k £647.13k
Other assets £4.53m £5.36m £5.55m £5.58m £4.19m
Defined benefit pension scheme asset or liability £0 £0 £0 £0 £0
Total liabilities £202.56k £167.31k £112.76k £70.89k £69.73k

Accounts and annual returns

This table shows the charity's record of submitting annual returns, accounts and trustees' annual report (TAR) for the last five financial periods.
Title Reporting year Date received Received Download
Annual return 31 December 2024 01 August 2025 On time
Accounts and TAR 31 December 2024 01 August 2025 On time Download Open in new window
Annual return 31 December 2023 24 July 2024 On time
Accounts and TAR 31 December 2023 24 July 2024 On time Download Open in new window
Annual return 31 December 2022 14 September 2023 On time
Accounts and TAR 31 December 2022 14 September 2023 On time Download Open in new window
Annual return 31 December 2021 18 October 2022 On time
Accounts and TAR 31 December 2021 26 September 2022 On time Download Open in new window
Annual return 31 December 2020 01 July 2021 On time
Accounts and TAR 31 December 2020 01 July 2021 On time Download Open in new window
Submit annual return Open in new window

Governing document

Details of the type of governing document the charity has and when it was established.
It is not the full text of the charity's governing document.

MEMORANDUM AND ARTICLES INCORPORATED 04/01/2004 AS AMENDED BY SPECIAL RESOLUTION(S) DATED 04/06/2008 AS AMENDED BY SPECIAL RESOLUTION(S) DATED 06/11/2014

Charitable objects

TO RELIEVE POVERTY AND PROMOTE EDUCATION IN THE UNITED KINGDOM AND ABROAD, AND IN PARTICULAR (WITHOUT PREJUDICE TO THAT GENERALITY): 1. BY THE PROVISION OF EDUCATION, TRAINING AND RE-TRAINING OF THE SKILLS REQUIRED FOR THE EMPLOYMENT AND SELF-EMPLOYMENT, AND 2. BY THE PROVISION TO POOR PERSONS OF ASSISTANCE IN THE ESTABLISHMENT OF SMALL BUSINESSES, AND 3. THE PROVISION OF TEMPORARY SUPPORT FOR APPROPRIATE SMALL BUSINESSES. 'APPROPRIATE' IN THIS CONTEXT SHALL MEAN SMALL BUSINESSES OWNED BY AND PRIMARILY EMPLOYING POOR PERSONS WHERE THERE IS OTHERWISE INSUFFICIENT ALTERNATIVE EMPLOYMENT TO RELIEVE THEIR POVERTY AND WHERE ANY SUCH BUSINESS IS IN DANGER OF FAILURE WITHOUT SUCH TEMPORARY SUPPORT, BUT IN CIRCUMSTANCES WHERE WITH SUCH SUPPORT THE SMALL BUSINESS CONCERNED SHALL IN THE OPINION OF THE TRUSTEES HAVE GOOD PROSPECTS OF RECOVERY AND VIABILITY.

Area of benefit

The area the charity can operate in, as set out in its governing document.

UNITED KINGDOM AND ABROAD.

Contact information

Address:
ANGEL COURT
81 ST. CLEMENTS STREET
OXFORD
OX4 1AW
Phone:
01865725304
Email:
UKinfo@opportunity.org
Website:

www.opportunity.org.uk Open in new window