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Our Judgement

	Grade/Judgement	Change	Date of assessment
Consumer	Ìý	Not assessed yet	Ìý
Governance	G1Ìý OurÌýjudgementÌýis that the landlord meets our governance requirements.	Assessed and unchanged	November 2025
Viability	V1Ìý Our judgement is that the landlord meets our viability requirements and has the financial capacity to deal with a wide range of adverse scenarios.	Assessed and unchanged	November 2025

Reason for publicationÌý

We are publishing a regulatory judgement forÌýBlack Country Housing Group Limited (Black Country)Ìýfollowing aÌýstability checkÌýcompleted inÌýNovember 2025.ÌýÌý

This regulatory judgement confirms a governance gradeÌýofÌýG1Ìýand a financial viability gradeÌýofÌýV1.ÌýÌý

Summary of the decisionÌý

Based on the relevant information and evidence we reviewed in carrying out the stability check,ÌýourÌýjudgement is thatÌýBlack CountryÌýmeets our viability requirements and has the financial capacity to deal with a wide range of adverse scenarios.ÌýWe haveÌýthereforeÌýconcludedÌýthe landlord’s grade is unchanged andÌýissueÌýa V1 grade forÌýBlack Country.Ìý

From the stability check, there is no evidence toÌýindicateÌýa change in governance grade isÌýrequired.ÌýBlack Country’sÌýgovernance gradeÌýremainsÌýG1.Ìý

This regulatory judgement is based onÌýa stability check which does notÌýinclude anÌýassessment ofÌýBlack Country’sÌýdelivery of the outcomes of our consumer standards.ÌýÌý

Prior to this regulatory judgement, the governance and financial viabilityÌýgradesÌýforÌýBlack CountryÌýwere last updated inÌýDecember 2024ÌýfollowingÌýa stability checkÌýtoÌýissueÌýaÌýgovernance grade ofÌýG1Ìýand aÌýfinancial viability grade ofÌýV1.ÌýÌý

How we reached our judgementÌý

We carried outÌýaÌýstability checkÌýofÌýBlack CountryÌýas part of our annual stability check programme.ÌýÌý

Our judgementÌýabout how wellÌýBlack CountryÌýis delivering the viability outcomes of our Governance and Financial Viability StandardÌýis based on a review ofÌýa range of documents provided byÌýBlack Country,Ìýas well as analysis of information supplied byÌýBlack CountryÌýin its regulatory returns.Ìý

InÌýconfirmingÌýBlack Country’s governance grade as part of the stability check, our work was limited to verifying that the information contained inÌýBlack Country’s regulatory returnsÌýdid not appear inconsistent with its existing published governance grade.Ìý

Our stability checks do not assess a landlord’s delivery of the outcomes of our consumer standards.ÌýÌý

Summary of findingsÌý

GovernanceÌý–ÌýG1Ìý–ÌýNovember 2025Ìý

FromÌýthe stability check, there is no evidence toÌýindicateÌýthat a change in governance grade isÌýrequired.Ìý

ViabilityÌý–ÌýV1Ìý–ÌýNovember 2025Ìý

Based on evidence gained from the stability check, we have assurance thatÌýBlack CountryÌýmeets the viability requirements of the Governance and Financial Viability Standard.Ìý

Black CountryÌýhas a strong financial profile, and its stress testingÌýdemonstratesÌýthat financial capacity is built into its business plan.ÌýBlack CountryÌýhas providedÌýappropriate assuranceÌýthat it has access to sufficient liquidity and adequate funding in place.Ìý

Background to the judgementÌý

About theÌýlandlordÌý

According toÌýthe 2025Ìýstatistical dataÌýreturnÌýBlack CountryÌýownsÌý2,238ÌýhomesÌýinÌýthe West Midlands.Ìý

Our role and regulatory approachÌý

We regulate forÌýa viable, efficient, and well governed social housing sector able to deliver quality homes and services for current and future tenants.  Ìý

We regulate at the landlord level to drive improvement in how landlordsÌýoperate. By landlord we mean a registered provider of social housing. These can either be local authorities, or private registered providers (other organisations registered with us such as non-profit housing associations, co-operatives, or profit-making organisations). Ìý

We set standards which state outcomes that landlords must deliver. The outcomes of our standards include both the required outcomes and specific expectations we set. Where we find there are significant failures in landlords which we consider to be material to the landlord’s delivery of those outcomes, we hold them to account.ÌýUltimately thisÌýprovides protection for tenants’ homes and services and achieves better outcomes for current and future tenants. It also contributes to a sustainable sector which can attract strong investment. Ìý

We have a different role for regulating local authorities than for other landlords. This is because we have a narrower role for local authorities and the Governance and Financial Viability Standard, and Value for Money Standard do not apply. Further detail on which standards apply to different landlords can be found onÌýourÌýstandards page. Ìý

We assess the performance of landlords through inspections and by reviewing data that landlordsÌýare required toÌýsubmitÌýto us. InÌýDepth Assessments (IDAs) were one of ourÌýpreviousÌýassessment processes, which are now replaced by our inspections programme from 1 April 2024. We also respond where there is an issue or a potential issue that may be material to a landlord’s delivery of the outcomes of our standards. We publish regulatory judgements that describe our view of landlords’ performance with our standards. We also publish grades for landlords with more than 1,000 social housing homes. Ìý

The Housing Ombudsman deals with individual complaints. When individual complaints are referred to us, we investigate if we consider that the issue may be material to a landlord’s delivery of the outcomes of our standards.  Ìý

For more information about our approach to regulation, please seeÌýRegulating the Standards.

Further information