ALDERMORE BANK PLC
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Cash
—
Latest balance sheet
Net assets
£1.5bn
0% vs 2025
Employees
1,256
-5.6% lowest in 3 filed years
Profit before tax
£159m
-27.9% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 | 2026-06-30 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £412,500,000 | £399,400,000 | -3.2% | |
| Fee & commission income | — | -£2,000,000 | -£2,300,000 | -15% | |
| Operating income | — | £473,400,000 | £455,400,000 | -3.8% | |
| Impairment losses | — | -£14,100,000 | £3,000,000 | +121.3% | |
| Profit before tax | £218,200,000 | £220,700,000 | £159,200,000 | -27.9% | |
| Net profit | £162,100,000 | £163,200,000 | £113,800,000 | -30.3% | |
| Loans & advances to customers | — | £12,523,400,000 | £14,315,400,000 | +14.3% | |
| Customer deposits | — | £17,047,600,000 | £19,110,900,000 | +12.1% | |
| Total assets | £20,195,500,000 | £20,618,200,000 | £22,597,600,000 | +9.6% | |
| Total liabilities | £18,823,700,000 | £19,103,600,000 | £21,083,500,000 | +10.4% | |
| Equity | £1,371,800,000 | £1,514,600,000 | £1,514,100,000 | 0% | |
| Average employees | 1,394 | 1,331 | 1,256 | -5.6% |
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 | 2024-06-30 | 2025-06-30 | 2026-06-30 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 93.2% | 92.7% | 93.3% | |
| Interest cover | 0.25x | 0.27x | — |
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 2 times since incorporation
- ALDERMORE BANK PLC 2009-06-24 → present
- RUFFLER BANK PLC 1996-03-29 → 2009-06-24
- LORDSVALE FINANCE PLC 1969-02-10 → 1996-03-29
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the Bank’s ability to continue as a going concern and are satisfied that it remains appropriate to prepare the financial statements on that basis.”
Group structure
- ALDERMORE BANK PLC · parent
- Aldermore Invoice Finance (Oxford) Limited 100%
- AR Audit Services Limited
Significant events
- “On 16 March 2026, Aldermore Bank PLC acquired certain assets and liabilities of Octane Capital Limited as part of its strategy to diversify its lending activities through entry into the UK bridging finance market.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 59 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CONWAY, Melissa | Secretary | 2023-03-01 | — | — |
| BRITNELL, Louise Jeanette | Director | 2025-09-15 | May 1979 | British |
| BUTLER, Patrick Noel | Director | 2018-01-01 | Dec 1960 | Irish |
| DAVIAS, Markos George | Director | 2024-04-01 | Apr 1981 | South African |
| HANDCOCK, Ruth Anna | Director | 2021-10-01 | Feb 1980 | British |
| LAWRENCE, Paul Joseph | Director | 2025-12-01 | Mar 1961 | British |
| LENMAN, Alasdair Bruce | Director | 2024-07-01 | Dec 1969 | British |
| MAKANJEE, Rajendra | Director | 2025-11-03 | Jan 1964 | South African,Maltese |
| MURRAY, Rosemary Carol | Director | 2021-08-01 | Jan 1965 | British |
| SAINSBURY, Adrian John | Director | 2026-04-09 | Mar 1968 | British |
| VILAKAZI, Mary Seemane | Director | 2024-04-01 | Aug 1977 | South African |
Show 59 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BANNERTON, Shane, Mr. | Secretary | 2008-02-01 | 2009-05-20 |
| BODELL, Kerryn Lynn | Secretary | 2019-10-01 | 2022-06-03 |
| DEVI, Anchna | Secretary | 2018-03-12 | 2018-12-12 |
| HAYNES, Stuart John | Secretary | 2009-06-15 | 2011-03-22 |
| HUGHES, David Jonathan | Secretary | 2024-01-01 | 2026-07-10 |
| KENNEALLY, Kevin | Secretary | 1993-10-01 | 2008-02-01 |
| LAGAN, Jonathan Patrick | Secretary | 2022-06-04 | 2022-08-31 |
| OLIVER, Anthony | Secretary | — | 1993-10-01 |
| PARKER-WOOD, Clive Stanley | Secretary | 2022-09-01 | 2023-02-28 |
| SIMPSON, Dionne Jane Patricia | Secretary | 2011-03-22 | 2015-02-27 |
| SPENCER, Rachel Louise | Secretary | 2015-02-27 | 2017-12-31 |
| VAN NIEKERK, Marius | Secretary | 2018-12-12 | 2019-09-27 |
| VAN NIEKERK, Marius | Secretary | 2018-01-01 | 2018-03-11 |
| ALMOND, Jayne Doreen | Director | 2011-04-04 | 2014-01-16 |
| ARCULUS, Thomas David Guy | Director | 2010-10-19 | 2013-07-30 |
| BAILEY, Michael Patrick | Director | 2004-07-07 | 2007-06-30 |
| BAINES, John Duncan | Director | 2010-10-12 | 2013-02-26 |
| BAKER, Clifford Malcolm | Director | 1993-10-22 | 2005-03-31 |
| BANKS, Richard Lee | Director | 2020-09-01 | 2026-01-05 |
| BANNERTON, Shane, Mr. | Director | 2008-03-31 | 2009-05-20 |
| BARRY, Stephen | Director | 2009-10-14 | 2014-09-21 |
| BARTON, David | Director | 1996-05-10 | 2007-08-30 |
| BRIMLEY, John Alan | Director | 1994-06-20 | 2004-08-11 |
| BURGER, Johan Petrus | Director | 2018-03-14 | 2018-08-31 |
| CALLENDER, John Dalrymple | Director | 2009-05-20 | 2015-02-27 |
| CARTWRIGHT, Peter Bramwell | Director | 2009-05-20 | 2016-04-18 |
| CHANDARIA, Dinesh Maganlal | Director | 1998-06-17 | 2000-08-03 |
| COATES, Ralph Douglas | Director | 2022-05-01 | 2025-09-15 |
| COCHRANE, Neil Andrew | Director | 2014-09-04 | 2016-10-14 |
| COOPER, Steven Martin | Director | 2021-05-10 | 2025-10-31 |
| CORDELL, Mary Claire | Director | 2020-02-24 | 2022-04-30 |
| CROWLEY, Desmond Edward | Director | 2020-05-01 | 2026-07-31 |
| FABRIZI, Francisco Anthony Bodie | Director | 2004-10-14 | 2007-08-30 |
| GRAY, Danuta | Director | 2014-09-29 | 2021-03-31 |
| HITCHINS, John Charles Fortescue | Director | 2014-05-28 | 2025-05-28 |
| JONES, Glyn Parry | Director | 2014-03-21 | 2017-02-06 |
| KELLAN, Hetash Surendrakumar | Director | 2018-10-08 | 2024-03-31 |
| MACK, Christopher James | Director | 2013-06-27 | 2020-01-31 |
| MCFADYEN, Finlay Stuart | Director | 2009-05-20 | 2012-03-26 |
| MOLYNEUX, Mark Thomas John | Director | 2009-05-20 | 2010-10-19 |
| MONKS, Phillip | Director | 2009-05-20 | 2021-05-07 |
| MYERS, Paul Christopher | Director | 2009-07-06 | 2014-09-21 |
| NAIL, Jonathan Warren | Director | 1993-10-01 | 2009-05-20 |
| OLIVER, Anthony | Director | — | 1993-10-01 |
| PALMER, Christine Joan | Director | 2017-05-16 | 2020-07-31 |
| PATRICK, Christopher John | Director | 2016-11-21 | 2018-03-14 |
| PRICE, Charles Beaufort | Director | 2005-03-31 | 2009-05-20 |
| PULLINGER, Alan Patrick | Director | 2018-03-14 | 2024-03-31 |
| RHODES, Jervis Rigby | Director | 2006-06-01 | 2010-04-20 |
| ROBINSON, David Arthur Thomas | Director | 2007-04-01 | 2009-05-20 |
| RUFFLER, William Robert | Director | — | 2009-05-20 |
| SCRIVENER, Reginald James | Director | — | 1994-07-29 |
| SHARPE, Robert | Director | 2015-06-29 | 2017-10-31 |
| SHAW, Peter Anderson | Director | 2014-09-04 | 2020-09-30 |
| SOSKIN, David Gideon Frank Aurele Xavier | Director | 2012-05-28 | 2014-06-02 |
| STAMPER, Christopher Paul | Director | 2013-05-29 | 2019-07-03 |
| STEPHENS, Mark St John | Director | 2009-05-20 | 2014-09-21 |
| TURNER, Catherine Lucy | Director | 2014-05-28 | 2022-10-31 |
| WILKINS, Ian John | Director | 2010-11-12 | 2013-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aldermore Group Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 389 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-29 | CH01 | officers | Change person director company with change date | |
| 2026-09-28 | AA | accounts | Accounts with accounts type full | |
| 2026-08-25 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-08-25 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-08-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-07-23 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-06 | CH01 | officers | Change person director company with change date | |
| 2025-11-04 | AA | accounts | Accounts with accounts type full | |
| 2025-11-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-18 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-05 | AUD | auditors | Auditors resignation company | |
| 2024-10-24 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 4
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.