Retail Trust
Also known as: The Cottage Homes Charity
Retail Trust is the charity for all people working and retired from retail. Its charitable activities are:- a confidential Helpline which provides counselling, legal and debt advice- Charitable Services with access to financial grants;- Wellbeing Programme;- Supported Living and Care Services for retired employees; and- other services such as education.
Activities & Mission
Retail Trust is the charity for all people working and retired from retail. Its charitable activities are:- a confidential Helpline which provides counselling, legal and debt advice- Charitable Services with access to financial grants;- Wellbeing Programme;- Supported Living and Care Services for retired employees; and- other services such as education.
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.
Country
Local Authority
Financial Information
Financial Efficiency
Higher than 83% of UK Charitable activities charities with income over £10M (sample: 222). How is this calculated?
Higher than 43% of UK Charitable activities charities with income over £10M. How is this calculated?
Lower overhead than 36% of UK Charitable activities charities with income over £10M. (Lower overhead is generally read as more efficient.) How is this calculated?
Latest Financial Breakdown
Income Sources
Expenditure Categories
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 | £12,313,200 | £13,633,477 | £12,559,117 | £34,087,157 | £37,815,123 | 127 / 0 |
| 2024 | £10,884,665 | £13,649,272 | £12,028,148 | £35,279,602 | £34,830,787 | 124 / 0 |
| 2023 | £12,654,485 | £10,805,996 | £9,589,007 | £37,840,462 | £38,166,957 | 107 / 0 |
| 2022 | £9,683,001 | £8,665,643 | £3,496,293 | £35,133,296 | £4,757,554 | 75 / 0 |
| 2021 | £8,507,005 | £7,993,157 | £3,386,486 | £34,478,949 | £34,059,799 | 77 / 0 |
Staff column shows: Employees / Volunteers
Frequently asked questions about Retail Trust
What does Retail Trust do?
Retail Trust is the charity for all people working and retired from retail. Its charitable activities are:- a confidential Helpline which provides counselling, legal and debt advice- Charitable Services with access to financial grants;- Wellbeing Programme;- Supported Living and Care Services for retired employees; and- other services such as education.
How much income did Retail Trust report in 2025?
Retail Trust reported total income of £12.31m and reported expenditure of £13.63m for the financial year ending 2025, based on the most recent annual return filed with the Charity Commission.
How efficient is Retail Trust?
Retail Trust has a program ratio of 102.0%, meaning that share of its income goes directly to charitable activities. This is higher than 83% of UK Charitable activities charities with income over £10M (sample of 222 charities). See our methodology for how this is calculated.
When was Retail Trust registered as a charity?
Retail Trust was registered with the Charity Commission for England and Wales on 17 January 2002 as charity number 1090136. It has been registered for 24 years.
Who runs Retail Trust?
Retail Trust is governed by a board of 10 trustees. The chair of trustees is Alistair McGeorge. Trustees are legally responsible for the charity's governance and are listed in full on its profile.
Where does Retail Trust operate?
Retail Trust operates across 5 areas, including Scotland, Barnet, Derby City and 2 others. The full list is shown on its profile.
Is Retail Trust a registered charity?
Yes — Retail Trust is a registered charity in England and Wales, charity number 1090136.
Details
2nd Floor
22 Tower Street
LONDON
Registry Information
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Major UK charities in the same primary sector, drawn from the curated priority cohort.
Trustees
Also governs 1 other charity
Sectors & Classifications
Also Known As
- The Cottage Homes Charity
Data & trust
- Register data refreshed
- 14 May 2026
- Methodology
- How metrics are calculated