CAPITAL ONE (EUROPE) PLC
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Cash
—
Latest balance sheet
Net assets
£2.1bn
+4.8% highest in 3 filed years
Employees
1,670
+0.4% vs 2024
Profit before tax
£130m
+52.9% highest in 3 filed years
Watch the reel
Our short-form breakdown of CAPITAL ONE (EUROPE) PLC's latest filing
Capital One's UK arm pulled in over £800m in turnover, but the accounts only tell part of the story. 💳
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 | — | £609,268,000 | £678,091,000 | +11.3% | |
| Fee & commission income | — | £66,791,000 | £74,913,000 | +12.2% | |
| Operating income | — | £732,086,000 | £815,371,000 | +11.4% | |
| Impairment losses | — | £196,307,000 | £196,878,000 | +0.3% | |
| Profit before tax | £118,403,000 | £84,734,000 | £129,581,000 | +52.9% | |
| Net profit | £90,754,000 | £64,657,000 | £94,018,000 | +45.4% | |
| Loans & advances to customers | — | £3,166,441,000 | £3,470,150,000 | +9.6% | |
| Customer deposits | — | — | — | — | |
| Total assets | £2,986,589,000 | £3,319,105,000 | £3,629,349,000 | +9.3% | |
| Total liabilities | — | £1,362,265,000 | £1,578,491,000 | +15.9% | |
| Equity | £1,892,183,000 | £1,956,840,000 | £2,050,858,000 | +4.8% | |
| Average employees | 1,581 | 1,663 | 1,670 | +0.4% |
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 | 13.8% | 8.8% | — | |
| Gearing (liabilities / total assets) | 36.6% | 41.0% | 43.5% | |
| Current ratio | 2.77x | 2.45x | — |
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 3 times since incorporation
- CAPITAL ONE (EUROPE) PLC 2010-11-19 → present
- CAPITAL ONE BANK (EUROPE) PLC 2000-07-14 → 2010-11-19
- CAPITAL ONE FINANCIAL SERVICES PLC 2000-06-21 → 2000-07-14
- STORMFIELD SYSTEMS LIMITED 1999-11-17 → 2000-06-21
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have reviewed the forecast performance as well as principal risks and uncertainties of the business and concluded that it remains appropriate to adopt the going concern basis of accounting in preparing the annual financial statements. The Company holds a high level of capital over and above minimum requirements and has significant liquidity in the form of parental funding arrangements, which are expected to continue through and beyond the going concern assessment period of 12 months to 24th June 2027.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 35 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TAYLOR, Hannah | Secretary | 2024-11-27 | — | — |
| ARON, James Solomon | Director | 2020-12-02 | Oct 1982 | British |
| BINGHAM, Austin | Director | 2025-09-24 | Sep 1987 | American |
| FROST, Peter | Director | 2025-03-18 | Oct 1965 | British |
| HAGUES, Lucy Marie | Director | 2017-02-09 | Jan 1977 | British |
| HARDING, Robert William | Director | 2014-03-04 | Jan 1974 | British |
| WALKER, Lisa | Director | 2025-03-18 | Dec 1972 | British |
Show 35 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GRANT MITCHELL, Victoria | Secretary | 2000-06-13 | 2009-05-01 |
| MACINNES, Rupert John | Secretary | 2009-05-01 | 2023-02-06 |
| WALKER, Lisa | Secretary | 2023-02-06 | 2024-11-27 |
| TEMPLE SECRETARIES LIMITED | Corporate Nominee Secretary | 1999-11-17 | 2000-06-13 |
| BOWES, Karen Elizabeth | Director | 2015-12-10 | 2017-05-15 |
| BRICHET, Helene | Director | 2019-05-09 | 2020-12-01 |
| BROADBENT, Adam Humphrey Charles | Director | 2000-09-12 | 2010-12-08 |
| BROWNLEE, Fergus Stuart | Director | 2001-01-30 | 2005-04-30 |
| COLE, Brian Thomas | Director | 2009-05-01 | 2013-09-24 |
| COOPER, Matthew Jonathan | Director | 2000-06-13 | 2001-01-30 |
| GESMAR LARSEN, Jan | Director | 2000-09-12 | 2003-05-01 |
| GOPALAN, Srinivasan | Director | 2007-12-03 | 2009-05-01 |
| HERBERT, Neil Vincent | Director | 2013-11-05 | 2018-12-20 |
| HUGHES, Alan Renatus Frederick | Director | 2008-02-01 | 2010-12-31 |
| HULME, Stephen Jon | Director | 2011-01-10 | 2013-11-05 |
| II, William A Cilluffo | Director | 2009-12-02 | 2011-06-13 |
| JANARDANA, Jaidev | Director | 2013-09-24 | 2014-09-05 |
| JONES, Timothy Lloyd | Director | 2003-05-01 | 2007-12-31 |
| KASPER, Kathryn Julia | Director | 2022-02-28 | 2025-01-31 |
| KLANE, Larry Allan | Director | 2003-07-29 | 2008-03-06 |
| LENANDER, Amy Christine | Director | 2014-11-13 | 2020-07-01 |
| LYNCH, Michael John | Director | 2017-05-15 | 2021-08-06 |
| MACINNES, Rupert John | Director | 2022-07-11 | 2023-06-20 |
| MITCHELL, Victoria Grant | Director | 2009-05-01 | 2017-09-29 |
| MORRIS, Nigel William | Director | 2000-06-13 | 2004-04-30 |
| NEWKIRK, Christopher | Director | 2013-09-24 | 2017-01-04 |
| PENZER, Jeremy Robert | Director | 2017-02-09 | 2021-09-08 |
| PERLIN, Gary Laurence | Director | 2004-05-01 | 2009-12-31 |
| ROLLS, Richard John | Director | 2017-11-22 | 2020-06-26 |
| SCHNEIDER, Ryan | Director | 2008-03-06 | 2010-07-12 |
| SINGH, Marco | Director | 2025-03-18 | 2026-04-07 |
| WOLFSON, Alan David, Dr | Director | 2000-07-19 | 2003-07-25 |
| WOODBURN, Michael Charles | Director | 2011-05-02 | 2013-09-24 |
| YAJNIK, Sanjiv | Director | 2005-04-26 | 2008-03-06 |
| COMPANY DIRECTORS LIMITED | Corporate Nominee Director | 1999-11-17 | 2000-06-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Capital One Financial Corporation | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-07-26 | Active |
| Capital One Holdings Limited | Corporate entity | Shares 50–75%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2022-07-26 |
| Capital One Investments Limited | Corporate entity | Shares 25–50% | 2016-04-06 | Ceased 2022-07-26 |
Filing timeline
Last 20 of 237 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-10 | AA | accounts | Accounts with accounts type full | |
| 2026-07-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-07-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-04-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-15 | CH01 | officers | Change person director company with change date | |
| 2025-10-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-23 | CH01 | officers | Change person director company with change date | |
| 2025-06-11 | AA | accounts | Accounts with accounts type full | |
| 2025-05-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-05 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-27 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-27 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-11-01 | CH01 | officers | Change person director company with change date | |
| 2024-05-21 | AA | accounts | Accounts with accounts type full | |
| 2024-05-14 | CH01 | officers | Change person director company with change date | |
| 2024-05-14 | CH01 | officers | Change person director company with change 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.