THE AGRICULTURAL MORTGAGE CORPORATION PLC
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Cash
—
Latest balance sheet
Net assets
£74m
+73.4% highest in 3 filed years
Employees
82
0% vs 2024
Profit before tax
£42m
+29.4% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £37,907,000 | £45,832,000 | +20.9% | |
| Fee & commission income | — | £960,000 | £972,000 | +1.3% | |
| Operating income | — | — | — | — | |
| Impairment losses | — | £989,000 | -£361,000 | -136.5% | |
| Profit before tax | £31,368,000 | £32,361,000 | £41,863,000 | +29.4% | |
| Net profit | £23,995,000 | £24,270,000 | £31,394,000 | +29.4% | |
| Loans & advances to customers | — | £3,612,243,000 | £3,304,999,000 | -8.5% | |
| Customer deposits | — | — | — | — | |
| Total assets | £3,950,662,000 | £3,652,336,000 | £3,345,180,000 | -8.4% | |
| Total liabilities | — | £3,609,566,000 | £3,271,016,000 | -9.4% | |
| Equity | £42,495,000 | £42,770,000 | £74,164,000 | +73.4% | |
| Average employees | 83 | 82 | 82 | 0% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Net margin | 11.2% | 11.3% | — | |
| Gearing (liabilities / total assets) | — | 98.8% | 97.8% | |
| Current ratio | 0.32x | 1.18x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- THE AGRICULTURAL MORTGAGE CORPORATION PLC 2021-07-15 → present
- AGRICULTURAL MORTGAGE CORPORATION P L C(THE) 1928-11-12 → 2021-07-15
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “At 31 December 2025, mortgage loans of £167,153,000 (2024: £88,621,000) had been approved subject to legal and other formalities, and authorising lending facilities of £379,000 (2024: £217,000) were available to the Company's clients but were not utilised as at the Balance sheet date.”
- “The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In January 2025, the First Tier Tribunal concluded in favour of HMRC. The Group believes it has applied the rules correctly... and has appealed to the Upper Tier Tax Tribunal.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 63 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MULHOLLAND, Alison Elizabeth | Secretary | 2024-01-21 | — | — |
| ADAMS, Dominic Edward | Director | 2023-02-08 | Jul 1987 | British |
| PHILLIPS, Olivia | Director | 2025-02-14 | Dec 1980 | British |
| REEVES, Lee Adrian | Director | 2026-04-07 | Dec 1971 | British |
Show 63 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAGLEY, Richard David Francis | Secretary | — | 1994-04-06 |
| HENNESSEY, David Dermot | Secretary | 2016-09-29 | 2024-01-08 |
| MAIN, Hans-Wolfgang | Secretary | 1994-04-06 | 1996-06-01 |
| MCDERMOTT, Kerry Elizabeth | Secretary | 2015-12-11 | 2016-01-29 |
| PEAKE, Emma | Secretary | 2016-01-29 | 2016-09-29 |
| SAUNDERS, Deborah Ann | Secretary | 1996-06-01 | 2010-01-06 |
| SLATTERY, Sharon Noelle, Mrs. | Secretary | 2010-01-06 | 2013-06-17 |
| VÁSQUEZ, Ricardo | Secretary | 2013-06-17 | 2015-11-19 |
| ALLRIGHT, Jonathan Edward | Director | 2010-06-02 | 2017-03-16 |
| CALLAGHAN, Ian Robert | Director | 2016-06-14 | 2017-07-12 |
| DAVIES, Howard Morton | Director | 2003-07-01 | 2005-02-01 |
| DAVIES, John Thomas | Director | 1995-03-31 | 1998-07-31 |
| DAVIES, John Thomas | Director | 1993-02-12 | 1994-10-31 |
| DENNIS, Amanda Louise | Director | 2022-03-30 | 2024-07-01 |
| DUBERLY, Archibald Hugh, Sir | Director | 1995-11-01 | 2002-02-28 |
| FARTHING, Andrew Philip | Director | 2004-09-21 | 2006-05-25 |
| FEATHERSTONE, Simon Andrew | Director | 2007-07-18 | 2010-09-16 |
| FRANKLIN, Michael David Milroy, Sir | Director | — | 1993-02-12 |
| GORDON, Paul Andrew | Director | 2018-09-26 | 2024-11-06 |
| GOURLAY, Simon Alexander, Sir | Director | — | 2002-02-28 |
| GRIFFITHS, Hugh Rowland | Director | 2015-12-11 | 2018-04-10 |
| HARDY, David William, Sir | Director | — | 1993-02-12 |
| HARPER, Martin John | Director | 1991-10-16 | 1993-02-18 |
| HAYCOCK, Stuart | Director | 2018-04-10 | 2024-06-05 |
| HAYES, Malcolm Sydney | Director | 2010-01-05 | 2013-12-31 |
| HERBERT, Robin Arthur Elidyr | Director | — | 1993-02-12 |
| HOME, David Alexander Cospatrick, The Earl Of Home | Director | — | 1993-02-12 |
| INGRAM, Nigel Jeffrey Martin | Director | 2020-07-28 | 2023-02-02 |
| KAYE, John Lionel | Director | — | 1993-04-06 |
| KEMPSTER, Paul | Director | 2025-01-07 | 2025-03-20 |
| LAIRD, Nicholas Alan Nolan | Director | 2019-06-28 | 2021-03-01 |
| LAMBERT, Henry Uvedale Antrobus | Director | — | 1993-02-12 |
| MALCOLM, Douglas Alexander | Director | 2024-05-07 | 2024-09-25 |
| MARTIN, Bruce | Director | 2002-03-15 | 2003-07-01 |
| MATHIAS, Jennifer Elizabeth | Director | 2007-04-10 | 2010-01-05 |
| MCGOLDRICK, John | Director | 2004-09-21 | 2012-04-30 |
| MOORE, Alan Edward | Director | 1998-08-01 | 2002-03-15 |
| MOORE, Alex | Director | 2018-06-13 | 2020-05-04 |
| NAYLOR, Andrew John | Director | 2017-03-16 | 2020-05-06 |
| NEWSUM, David | Director | 2002-03-15 | 2006-01-05 |
| OAKLEY, Gareth David | Director | 2015-09-03 | 2018-09-26 |
| PACKHAM, Matthew Alastair Leonard | Director | 2017-06-14 | 2024-09-11 |
| PEMBERTON, Francis William Wingate, Sir | Director | — | 1991-09-11 |
| PLUMB, Charles Henry, Lord | Director | 1993-02-12 | 1995-03-30 |
| PORTER, Tim Revell | Director | 2003-07-01 | 2013-06-30 |
| POSTINGS, David John | Director | 2005-02-02 | 2007-06-30 |
| RADLEY, Peter Charles | Director | 1999-07-01 | 2002-02-28 |
| REED, Danielle Kara | Director | 2014-03-13 | 2015-07-30 |
| REEVES, Lee Adrian | Director | 2020-06-02 | 2022-05-30 |
| SAINT, Barry Graham | Director | 1995-06-16 | 1999-06-30 |
| SELBORNE, John Roundell, The Earl Of Selborne | Director | — | 2002-03-15 |
| SIME, Fraser Mckenzie | Director | 2015-09-03 | 2017-04-12 |
| SINGLETON, David Michael | Director | 2002-03-15 | 2004-03-10 |
| SOFTLY, Keith | Director | 2022-05-30 | 2024-05-24 |
| SOLOMAN, Gerald Oliver | Director | 1993-04-15 | 1995-06-16 |
| SPENCER, Paul Nicholas | Director | 2007-06-07 | 2019-03-12 |
| THOMPSON, Michael Harry Rex | Director | 1994-11-18 | 1995-03-30 |
| TURNER, Victoria Anne | Director | 2017-10-03 | 2018-03-01 |
| WALKER, David Alan, Sir | Director | 1993-02-12 | 1994-11-18 |
| WHITE, Adrian Patrick | Director | 2013-07-01 | 2015-07-13 |
| WILCOX, Jonathan Michael | Director | 2024-05-24 | 2026-04-06 |
| WINSOR, Jane | Director | 2013-03-14 | 2016-06-13 |
| WOODS, Alan Peter | Director | 2002-03-01 | 2003-03-26 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lloyds Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 319 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-09-02 MA Memorandum articles
- 2024-09-02 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-27 | AA | accounts | Accounts with accounts type full | |
| 2026-04-17 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-17 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-30 | AA | accounts | Accounts with accounts type full | |
| 2025-05-12 | CH03 | officers | Change person secretary company with change date | |
| 2025-03-25 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-17 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-14 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-01 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-13 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-02 | MA | incorporation | Memorandum articles | |
| 2024-09-02 | RESOLUTIONS | resolution | Resolution | |
| 2024-07-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-22 | AA | accounts | Accounts with accounts type full | |
| 2024-06-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-29 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-28 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.