Navigate

Navigate CIO provides specialist money and debt advice and financial education services to individuals and families facing financial hardship and exclusion by reason of youth, age, ill health, disability, financial hardship or another disadvantage in Somerset and Devon. Our services are predominately delivered through home visits but outreach and telephone appointments are also available.

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Activities & Mission

Areas of Operation

Where this charity is registered to operate, as self-declared to the Charity Commission. These are regulatory classifications, not a list of active programmes, and don't necessarily indicate fundraising activity in each location.

Local Authority

Devon Somerset

Financial Information

Latest Income

£797,613

Latest Expenditure

£768,458

Financial Efficiency

Program Ratio 95.1%

% of income going directly to charitable activities

Higher than 60% of UK Beneficiary group charities with income £100K to £1M (sample: 3459). How is this calculated?

Overall Efficiency 98.8%

% of expenditure going to programs (vs overhead)

Higher than 52% of UK Beneficiary group charities with income £100K to £1M. How is this calculated?

Administrative Ratio 19.9%

Overhead (fundraising + governance) as % of total expenditure

Lower overhead than 11% of UK Beneficiary group charities with income £100K to £1M. (Lower overhead is generally read as more efficient.) How is this calculated?

Latest Financial Breakdown

Income Sources

Donations & Legacies £796,150

Charitable Activities £0

Other Trading £0

Investments £1,463

Other Income £0

Expenditure Categories

Charitable Expenditure £758,877

Raising Funds £9,581

Governance £143,447

Grants to Institutions £0

Other Expenditure £0

Financial Trend

Annual Returns

As filed with the Charity Commission for England and Wales. Most recent filing covers the financial year ending 2025.

Financial Year	Income	Expenditure	Charitable Spending	Net Assets	Reserves	Staff
2025	£797,613	£768,458	£758,877	£153,019	£153,019	18 / 1
2024	£814,894	£754,749	£754,749	£123,864	£121,753	18 / 0
2023	£556,544	£580,915	£571,151	£63,719	£19,793	18 / 0
2022	£637,038	£634,122	£626,051	£88,090	£41,521	13 / 1
2021	£594,596	£538,477	£533,258	£85,174	£38,406	12 / 0

Staff column shows: Employees / Volunteers

Frequently asked questions about Navigate

What does Navigate do?

How much income did Navigate report in 2025?

Navigate reported total income of £798k and reported expenditure of £768k for the financial year ending 2025, based on the most recent annual return filed with the Charity Commission.

How efficient is Navigate?

Navigate has a program ratio of 95.1%, meaning that share of its income goes directly to charitable activities. This is higher than 60% of UK Beneficiary group charities with income £100K to £1M (sample of 3459 charities). See our methodology for how this is calculated.

When was Navigate registered as a charity?

Navigate was registered with the Charity Commission for England and Wales on 13 February 2019 as charity number 1182020. It has been registered for 7 years.

Who runs Navigate?

Navigate is governed by a board of 6 trustees. Trustees are legally responsible for the charity's governance and are listed in full on its profile.

Where does Navigate operate?

Navigate operates across 2 areas: Devon and Somerset.

Is Navigate a registered charity?

Yes — Navigate is a registered charity in England and Wales, charity number 1182020.