SECURE TRUST BANK PUBLIC LIMITED COMPANY
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Cash
—
Latest balance sheet
Net assets
£374m
+3.8% highest in 3 filed years
Employees
860
-6% lowest in 3 filed years
Profit before tax
£32m
-44.3% lowest 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 | — | £298,800,000 | £301,800,000 | +1% | |
| Fee & commission income | — | £15,500,000 | £14,100,000 | -9% | |
| Operating income | — | £155,500,000 | £165,200,000 | +6.2% | |
| Impairment losses | — | £4,000,000 | £13,300,000 | +232.5% | |
| Profit before tax | £36,100,000 | £57,100,000 | £31,800,000 | -44.3% | |
| Net profit | — | — | £17,600,000 | — | |
| Loans & advances to customers | — | £3,608,500,000 | £3,295,800,000 | -8.7% | |
| Customer deposits | — | £3,244,900,000 | £3,509,600,000 | +8.2% | |
| Total assets | £3,778,000,000 | £4,116,700,000 | £4,316,000,000 | +4.8% | |
| Total liabilities | £3,421,700,000 | £3,756,300,000 | £3,941,700,000 | +4.9% | |
| Equity | £356,300,000 | £411,700,000 | £374,300,000 | -9.1% | |
| Average employees | 874 | 915 | 860 | -6% |
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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 90.6% | 91.2% | — | |
| Interest cover | 0.07x | 0.24x | — |
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.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Group has concluded that there are no material uncertainties related to going concern.”
Group structure
- SECURE TRUST BANK PUBLIC LIMITED COMPANY · parent
- AppToPay Ltd 100%
- STB Leasing Limited 100%
- STB Investments Group Limited 100%
- V12 Retail Finance Limited 100%
Significant events
- “In February 2026 we announced the sale of the Consumer Vehicle Finance division.”
- “Inspirit Capital acquired Watson Fuels, in a corporate carve-out, supported by a £75 million facility from Commercial Finance.”
- “We ceased lending in the Vehicle Finance portfolio in July 2025 to improve returns at Group level. In February 2026 we completed the sale of the Consumer Vehicle Finance business, reflecting an acceleration of our strategic plans.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 41 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DANIELS, Lisa Jane | Secretary | 2024-03-12 | — | — |
| BROWN, James Alexander | Director | 2024-03-31 | Oct 1960 | New Zealander |
| COLSELL, Steve | Director | 2025-06-12 | Jul 1964 | British |
| CORFIELD, Ian | Director | 2025-09-08 | Nov 1971 | British |
| HOPES, Julie | Director | 2024-10-24 | Jan 1968 | British |
| LAWRENCE, Rachel Michelle | Director | 2020-09-23 | Mar 1970 | British |
| MITCHELL, Victoria Grant | Director | 2023-11-01 | Jan 1965 | British |
| MYERS, Paul Christopher | Director | 2018-11-28 | Mar 1964 | British |
| WILLIAMSON, Finlay Ferguson | Director | 2021-06-30 | Apr 1959 | British |
Show 41 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KARTER, Alan Jonathan | Secretary | 2014-08-31 | 2019-07-17 |
| KAYE, Jeremy Robin | Secretary | 1991-09-17 | 2014-08-31 |
| MAYO, Charles John | Secretary | 2024-02-09 | 2024-03-12 |
| MOSS, Michael Charles | Secretary | — | 1991-09-17 |
| STEVENS, Mark Philip David | Secretary | 2019-07-17 | 2024-02-09 |
| ANGEST, Henry, Sir | Director | — | 2018-08-08 |
| ANTHONY, David Gwilym | Director | 2007-02-22 | 2010-03-22 |
| BERRESFORD, Dorothy Ann | Director | 2016-11-22 | 2025-12-30 |
| BUTCHER, John Patrick | Director | 2000-11-15 | 2004-12-31 |
| COBB, James Robert | Director | 2008-11-01 | 2011-09-08 |
| DAUNCEY, Robert Oliver | Director | 1993-09-16 | 2000-12-31 |
| DEAKIN, Keith Nicholas Francis | Director | 1992-07-01 | 2007-02-05 |
| FIELDEN, Nicholas Mark | Director | 2007-01-02 | 2011-06-03 |
| FIELDING, Patricia Gwendoline | Director | 1992-07-01 | 2001-04-06 |
| FORSYTH, Michael Bruce, The Rt Hon Lord | Director | 2014-03-01 | 2024-05-16 |
| FULLER, Mark Anthony | Director | 2006-12-07 | 2008-01-31 |
| GILES, Andrew James Victor | Director | 1999-03-01 | 2000-02-25 |
| HAYES, Kevin Anthony | Director | 2011-06-17 | 2011-09-09 |
| JENNISON, Gary Antony | Director | 2006-09-25 | 2010-05-10 |
| KAPUR, Neeraj | Director | 2011-05-31 | 2019-12-06 |
| LOCKLEY, Stephen John | Director | 1994-06-20 | 2006-09-30 |
| LYNAM, Paul Anthony | Director | 2010-09-13 | 2021-01-05 |
| MARROW, Paul | Director | 2011-03-03 | 2020-06-24 |
| MCCREADIE, David Andrew | Director | 2019-12-17 | 2025-09-08 |
| MIDDLETON, Ronald | Director | 1992-07-01 | 2002-02-14 |
| MOSS, Michael Charles | Director | — | 1992-06-30 |
| NEVILLE-ROLFE, Lucy Jeanne, Baroness | Director | 2018-11-28 | 2022-09-21 |
| NIELD, David Robert | Director | 2010-05-20 | 2011-09-09 |
| OMALLEY, Thomas Anthony | Director | 1994-04-21 | 1995-11-07 |
| PASTON, Ronald | Director | — | 2002-06-30 |
| PEARSON, Derek | Director | 1992-07-01 | 2007-02-05 |
| PEARSON, Edward | Director | 1996-09-12 | 2004-01-18 |
| PROCTOR, Dean Michael | Director | 2010-11-25 | 2011-09-16 |
| SALMON, Andrew Alfred | Director | 2003-07-08 | 2018-08-08 |
| SERGEANT, Carol Frances | Director | 2011-09-08 | 2015-12-31 |
| SHERIFF, Paul Nigel | Director | 2006-09-21 | 2008-10-31 |
| SHIPLEY, John Waterhouse | Director | 1992-07-01 | 2007-04-30 |
| STEWART, Victoria Katharine | Director | 2016-11-22 | 2024-12-31 |
| TURRELL, Atholl Denis, Dr | Director | 2010-02-25 | 2011-09-08 |
| WICKHAM, Robert Joseph Johnstone | Director | 1998-01-05 | 2011-09-07 |
| WOODLEY, Owen Pearson | Director | 2007-01-02 | 2010-11-01 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 313 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-29 | AA | accounts | Accounts with accounts type group | |
| 2026-05-22 | SH01 | capital | Capital allotment shares | |
| 2026-04-21 | SH01 | capital | Capital allotment shares | |
| 2026-03-30 | CH01 | officers | Change person director company with change date | |
| 2026-03-23 | SH01 | capital | Capital allotment shares | |
| 2026-02-19 | SH01 | capital | Capital allotment shares | |
| 2026-01-30 | SH01 | capital | Capital allotment shares | |
| 2026-01-27 | CH01 | officers | Change person director company with change date | |
| 2026-01-15 | AD02 | address | Change sail address company with old address new address | |
| 2026-01-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-18 | SH01 | capital | Capital allotment shares | |
| 2025-12-05 | ANNOTATION | miscellaneous | Legacy | |
| 2025-11-13 | SH01 | capital | Capital allotment shares | |
| 2025-10-31 | CH01 | officers | Change person director company with change date | |
| 2025-09-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-01 | SH01 | capital | Capital allotment shares | |
| 2025-06-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-05 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 8
- Officers appointed
- 0
- 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.