ZEMPLER BANK LIMITED
Get an alert when ZEMPLER BANK LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£37m
+12.2% highest in 3 filed years
Employees
289
-14.5% vs 2025
Profit before tax
£4.2m
-19% vs 2025
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 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £34,721,000 | £34,679,000 | -0.1% | |
| Fee & commission income | — | £31,282,000 | £31,161,000 | -0.4% | |
| Operating income | — | £59,010,000 | £57,675,000 | -2.3% | |
| Impairment losses | — | £3,771,000 | £6,527,000 | +73.1% | |
| Profit before tax | £3,291,000 | £5,217,000 | £4,225,000 | -19% | |
| Net profit | £4,738,000 | £3,426,000 | £2,780,000 | -18.9% | |
| Loans & advances to customers | — | £25,452,000 | £35,122,000 | +38% | |
| Customer deposits | — | £624,600,000 | £713,291,000 | +14.2% | |
| Total assets | £616,752,000 | £681,923,000 | £780,158,000 | +14.4% | |
| Total liabilities | — | £649,144,000 | £743,367,000 | +14.5% | |
| Equity | £28,466,000 | £32,779,000 | £36,791,000 | +12.2% | |
| Average employees | 253 | 338 | 289 | -14.5% |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Net margin | 7.0% | 5.0% | — | |
| Gearing (liabilities / total assets) | 95.4% | 95.2% | 95.3% | |
| Current ratio | 0.71x | 0.62x | — |
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
- ZEMPLER BANK LIMITED 2024-06-24 → present
- ADVANCED PAYMENT SOLUTIONS LIMITED 2005-06-24 → 2024-06-24
- CAPRICE VENTURES LIMITED 2004-02-16 → 2005-06-24
- OVAL (1922) LIMITED 2003-10-29 → 2004-02-16
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- MHA Audit Services LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“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 Bank’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
- “On 27 February 2026, Zempler Bank Limited was acquired by The Access Bank UK Limited (ABUK), becoming a wholly owned subsidiary of ABUK.”
- “Changes in the Board of Directors occurred on 27 February 2026 and 3 March 2026, with several new appointments and resignations.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NUTTALL, Leo Alexander | Secretary | 2022-03-31 | — | — |
| CLARK, Stephen | Director | 2026-02-27 | Jul 1948 | British |
| ELCOCK, Peter Charles | Director | 2021-12-02 | Aug 1963 | British |
| MONAWER, Vikas | Director | 2026-02-27 | Feb 1966 | British |
| SHAW, Francesca | Director | 2021-03-25 | May 1960 | British |
| SIMMONDS, Jamie Kevin | Director | 2026-02-27 | Jan 1960 | British |
| SISMEY-DURRANT, Mark Timothy John | Director | 2018-11-21 | Mar 1959 | British |
| WADE, Dominic Simon Francis, M | Director | 2024-07-24 | Aug 1972 | British |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BREDA, Robert Van | Secretary | 2017-05-02 | 2021-02-03 |
| DEAR, Robin Keith | Secretary | 2005-06-22 | 2017-05-02 |
| OSAGIE, Solomon | Secretary | 2021-02-03 | 2022-03-31 |
| OVALSEC LIMITED | Corporate Nominee Secretary | 2003-10-29 | 2005-06-22 |
| BARTLETT, Leigh James | Director | 2023-11-03 | 2024-07-05 |
| DARNELL, William Paul | Director | 2004-04-07 | 2005-04-22 |
| DIXON, Donald Ross | Director | 2005-04-22 | 2021-02-03 |
| GALASSO, Stephen Bernard | Director | 2005-04-22 | 2011-12-31 |
| GOTTARDI, Barbara | Director | 2023-06-01 | 2026-02-27 |
| HATAMI, Alessandro | Director | 2018-12-18 | 2023-06-20 |
| JONES, James Gilbert | Director | 2004-03-12 | 2026-02-27 |
| KNIGHT, Simon Timothy Talbot | Director | 2012-01-01 | 2022-01-17 |
| MARSHALL, Christopher Phelan | Director | 2005-04-22 | 2008-06-18 |
| WAGNER, Richard Thomas | Director | 2004-01-15 | 2026-03-03 |
| WARRACK, Julia Mary | Director | 2023-06-01 | 2026-02-27 |
| OVAL NOMINEES LIMITED | Corporate Nominee Director | 2003-10-29 | 2004-01-15 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Access Bank Uk Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2026-02-27 | Active |
Filing timeline
Last 20 of 228 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-06-24 CERTNM Certificate change of name company
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-17 | AA | accounts | Accounts with accounts type full | |
| 2026-07-04 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-11 | SH01 | capital | Capital allotment shares | |
| 2026-03-11 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-03-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-11 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2026-03-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-07 | AA | accounts | Accounts with accounts type full | |
| 2025-01-20 | CH01 | officers | Change person director company with change date | |
| 2024-11-26 | AA | accounts | Accounts with accounts type full | |
| 2024-11-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-31 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-08 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-24 | CERTNM | change-of-name | Certificate change of name company |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 1
- 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.