CROWN AGENTS BANK LIMITED
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Cash
—
Latest balance sheet
Net assets
£166M
+10.1% highest in 3 filed years
Employees
350
-3.8% vs 2024
Profit before tax
£20M
-0.5% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
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 | — | £20,428,000 | £26,002,000 | +27.3% | |
| Fee & commission income | — | £15,835,000 | £16,429,000 | +3.8% | |
| Operating income | — | £106,499,000 | £118,203,000 | +11% | |
| Impairment losses | — | — | — | — | |
| Profit before tax | £57,497,000 | £20,069,000 | £19,968,000 | -0.5% | |
| Net profit | £42,789,000 | £15,391,000 | £14,509,000 | -5.7% | |
| Loans & advances to customers | — | £397,342,000 | £423,512,000 | +6.6% | |
| Customer deposits | — | £1,589,481,000 | £1,441,097,000 | -9.3% | |
| Total assets | £1,747,981,000 | £1,818,011,000 | £1,670,569,000 | -8.1% | |
| Total liabilities | — | £1,661,032,000 | £1,504,190,000 | -9.4% | |
| Equity | £134,204,000 | £150,598,000 | £165,799,000 | +10.1% | |
| Average employees | 303 | 364 | 350 | -3.8% |
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 |
|---|---|---|---|---|
| Operating margin | 42.2% | 17.7% | — | |
| Net margin | 31.1% | 14.6% | — | |
| Return on capital employed | 42.7% | 11.0% | — | |
| Gearing (liabilities / total assets) | 92.3% | 91.7% | 90.1% | |
| Current ratio | 0.85x | 0.93x | — | |
| Interest cover | 1.89x | 0.49x | — |
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
- CROWN AGENTS BANK LIMITED 2005-09-19 → present
- CROWN AGENTS FINANCIAL SERVICES LIMITED 1989-01-12 → 2005-09-19
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have considered the financial position of CAB, including the net current asset position, regulatory capital requirements and estimated future cash flows and have concluded that there is reasonable expectation that CAB has adequate resources to continue in operational existence for a period of 12 months from when these financial statements are authorised for issue and that CAB will be able to meet its obligations as they fall due.”
Group structure
- CROWN AGENTS BANK LIMITED · parent
- Crown Agents Global Markets LTD
- CAB Europe BV
- Stichting CAB Payments Europe
- CAB US Inc
- Segovia Technology International Ltd
- Segovia Technology Côte d'Ivoire SARL
- Segovia Technology Kenya Limited
- Segovia Technology 454 Limited
- Segovia Technology Nigeria Limited
- Segovia Technology Rwanda Corporation Limited
- Segovia Technology Tanzania Company Limited
- Segovia Technology Company Uganda Limited
Significant events
- “On the 2 March 2026 the Helios Consortium announced its firm intention to make an offer for the entire issued and to be issued share capital of the parent company, CAB Payments Holdings plc (excluding the shares already owned or controlled by Helios Fund II) at the price of USD 1.35 per CAB Payments share in cash, together with an unlisted, illiquid, non-voting share alternative. The Independent Board has had detailed dialogue with Helios and has continued to engage extensively with a significant number of the Company’s larger shareholders. Following this announcement, the Independent Board believes that the offer is highly opportunistic and fundamentally undervalues CAB Payments and its future prospects.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 49 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MARTIN, Lesley | Secretary | 2020-01-21 | — | — |
| BROWN, Caroline Anne, Dr | Director | 2023-01-02 | Jun 1962 | British,Irish |
| CAIRNS, Ann | Director | 2023-03-10 | Jan 1957 | British |
| CHISHTI, Susanne | Director | 2018-06-26 | Oct 1971 | Austrian |
| HARWERTH, Elizabeth Noel | Director | 2023-01-02 | Dec 1947 | British,American |
| HOPKINSON, James William Alistair, Mr. | Director | 2025-07-17 | Apr 1976 | British |
| JOHNSON-CALARI, Jennifer | Director | 2020-06-25 | Jun 1956 | American |
| JORDAN, Karen Angela | Director | 2021-06-29 | Jan 1967 | British |
| KAPUR, Neeraj | Director | 2024-06-20 | Dec 1965 | British |
| KLEIN, Peter | Director | 2025-06-27 | Jun 1971 | Danish |
| OBI, Henry Awele | Director | 2025-04-30 | Mar 1963 | British |
Show 49 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DRABBLE, Maxine Frances | Secretary | 2013-09-02 | 2016-03-31 |
| HALE, Lynn | Secretary | 2002-07-02 | 2013-09-02 |
| KENT, Heather Ann | Secretary | 1992-06-26 | 2002-07-02 |
| WHITE, Keith George | Secretary | — | 1992-06-26 |
| BATCHELOR, Paul Anthony | Director | 2007-05-01 | 2017-04-30 |
| BEECROFT, Nicholas Charles | Director | 2010-03-16 | 2020-04-01 |
| BERRY, Peter Fremantle | Director | — | 2007-04-30 |
| BHATIA, Rajesh | Director | 2016-12-14 | 2020-06-25 |
| DALE, Henry | Director | — | 1997-04-03 |
| EKPE, Arnold Onyekwere | Director | 2016-04-19 | 2023-06-30 |
| FAYE, Michael Larren | Director | 2020-11-04 | 2023-07-11 |
| GANDER, Trevor Roland | Director | 2013-01-03 | 2015-11-30 |
| GARVEY, John | Director | 2003-02-06 | 2005-05-31 |
| GODLEY, Graham Ronald | Director | 1994-01-31 | 2008-10-31 |
| GREEN, Christopher William | Director | 2020-09-11 | 2024-11-29 |
| HALLETT, Richard Charles | Director | 2017-01-31 | 2025-02-10 |
| HOLLINGDALE, Stephen Charles | Director | 2000-09-04 | 2013-01-23 |
| HOPCROFT, Garry John | Director | 2011-09-29 | 2012-12-31 |
| IRWIN, David Barbour | Director | 1998-04-01 | 2010-03-16 |
| JACKAMAN, Nigel Victor Charles | Director | 1994-03-07 | 1996-03-29 |
| JAGGER, Terence | Director | 2011-06-02 | 2014-10-01 |
| JONES, Richard Philip | Director | 2012-08-03 | 2017-02-06 |
| MAASLAND, Albert Cornelis | Director | 2016-09-20 | 2021-10-01 |
| MACHELL, Carole | Director | 2017-04-04 | 2020-12-17 |
| MACLENNAN, Douglas Davidson | Director | 2013-06-26 | 2020-02-28 |
| MAJUMDAR, Kalyan | Director | 1993-01-01 | 2000-09-04 |
| MCMENAMIN, Derek Neil | Director | 2013-06-26 | 2022-12-15 |
| MORRISON, George Ian | Director | 2005-04-01 | 2011-09-16 |
| MORTIMER, Katharine Mary Hope | Director | — | 2007-08-06 |
| MOULE, Derek Victor | Director | 1994-03-07 | 1994-12-31 |
| NAAMEH, Michael | Director | 2008-01-01 | 2011-06-02 |
| OXFORD, Anthony Howard | Director | — | 2005-03-31 |
| PARRISH, Jeremy | Director | 2017-04-04 | 2023-06-13 |
| PATTULLO, Carol Iris | Director | 2011-09-16 | 2016-07-29 |
| PATTULLO, Carol Iris | Director | 2008-11-01 | 2011-06-02 |
| PONDER, Stuart Charles | Director | 2005-04-01 | 2011-06-02 |
| POOLE, Simon Hilliard | Director | 2016-04-19 | 2025-04-30 |
| PRICE, Marion Elaine | Director | 2000-09-13 | 2007-12-31 |
| PROBERT, David Henry | Director | — | 1998-03-31 |
| REILLY, Mary Margaret | Director | 2014-10-22 | 2017-04-30 |
| SAXENA, Kushagra, Mr. | Director | 2025-06-27 | 2026-04-29 |
| SHEPHERD, Brian | Director | — | 1992-09-11 |
| SHILIASHKI, Mario Ivanov | Director | 2020-09-01 | 2024-09-03 |
| STEWART ROBERTS, Andrew Kerr | Director | — | 2001-05-22 |
| SUMNER, Francis Ian | Director | 1998-04-01 | 2011-05-25 |
| SYMES, Michael | Director | 2007-08-06 | 2011-06-02 |
| TRIVEDI, Bhairav Surendra | Director | 2021-03-01 | 2024-06-20 |
| WALKER-SMITH, David John | Director | 2011-10-03 | 2012-07-10 |
| WHITE, Keith George | Director | 2005-04-01 | 2013-02-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cab Payments Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-05-23 | Active |
| Cab Tech Holdco Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-07-01 | Ceased 2025-05-23 |
| Cabim Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2019-07-01 |
Filing timeline
Last 20 of 245 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-14 | AA | accounts | Accounts with accounts type full | |
| 2026-05-06 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-05-05 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2025-09-08 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-17 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-30 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-05-30 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-05-16 | AA | accounts | Accounts with accounts type full | |
| 2025-05-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-16 | AUD | auditors | Auditors resignation company | |
| 2025-02-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-24 | AA | accounts | Accounts with accounts type full | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- 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.