BANK OF AFRICA UNITED KINGDOM PLC
Get an alert when BANK OF AFRICA UNITED KINGDOM PLC files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-09-10 (in 4mo)
Last made up 2025-08-27
Watchouts
None on the register
Cash
£38M
-26.5% vs 2024
Net assets
£71M
+3.6% vs 2024
Employees
70
+18.6% vs 2024
Profit before tax
£3M
+209.9% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £8,598,000 | £10,040,000 | |
| Operating profit | -£2,824,000 | £3,104,000 | |
| Profit before tax | -£2,824,000 | £3,104,000 | |
| Net profit | £1,779,000 | £2,273,000 | |
| Cash | £51,070,000 | £37,517,000 | |
| Total assets less current liabilities | £184,585,000 | £197,793,000 | |
| Net assets | £68,171,000 | £70,629,000 | |
| Equity | £68,171,000 | £70,629,000 | |
| Average employees | 59 | 70 | |
| Wages | £5,337,000 | £5,331,000 | |
| Directors' remuneration | £1,422,000 | £1,632,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+16.8%
£8,598,000 £10,040,000
-
Cash
-26.5%
£51,070,000 £37,517,000
-
Net assets
+3.6%
£68,171,000 £70,629,000
-
Employees
+18.6%
59 70
-
Operating profit
+209.9%
-£2,824,000 £3,104,000
-
Profit before tax
+209.9%
-£2,824,000 £3,104,000
-
Wages
-0.1%
£5,337,000 £5,331,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | -32.8% | 30.9% | |
| Net margin | 20.7% | 22.6% | |
| Return on capital employed | -1.5% | 1.6% | |
| Gearing (liabilities / total assets) | 76.6% | 78.5% | |
| Current ratio | 1.37x | 1.57x | |
| Interest cover | -0.42x | 0.56x |
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 6 times since incorporation
- BANK OF AFRICA UNITED KINGDOM PLC 2021-11-01 → present
- BMCE BANK INTERNATIONAL PLC 2010-09-01 → 2021-11-01
- MEDICAPITAL BANK PLC 2007-07-20 → 2010-09-01
- MEDI CAPITAL BANK PLC 2005-10-05 → 2007-07-20
- SPEED CAPITAL PUBLIC LIMITED COMPANY 2005-08-09 → 2005-10-05
- SPEED CAPITAL LIMITED 2005-02-11 → 2005-08-09
- SPIRITBROOK LIMITED 2004-12-29 → 2005-02-11
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- MHA Audit Services LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Bank has adequate resources to continue in operational existence for the foreseeable future and for at least 12 months from the date of approval of the financial statements.”
Significant events
- “On 13 February 2025, Mr Zouhair El Kaissi was appointed as a Non-Executive Director.”
- “On 19 September 2025, Stephen Craig was appointed as an Independent Non-Executive Director.”
- “On 31 December 2025, Fabienne Baker-Menetrey resigned as Independent Non-Executive Director.”
- “MHA Audit Services LLP were appointed statutory auditor for the Bank, to replace the Bank's previous external auditor, pursuant to a resolution approved at the Board on 14 August 2025 and by its Annual General Meeting on 1 September 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| QUIRKE, Lucy | Secretary | 2022-10-31 | — | — |
| ADREN, Said | Director | 2023-01-02 | Aug 1970 | Moroccan |
| BENJELLOUN-TOUIMI, M'Hammed Brahim | Director | 2013-02-15 | Mar 1960 | Moroccan |
| CRAIG, Stephen John | Director | 2025-09-19 | Dec 1968 | British |
| EL KAISSI, Zouhair | Director | 2025-02-13 | Jul 1975 | Moroccan |
| GROVES, Richard William Lewis | Director | 2022-05-01 | Feb 1957 | British |
| LAHBABI, Omar | Director | 2023-01-07 | Jan 1978 | Moroccan |
| NASR, Khalid | Director | 2021-12-20 | Jan 1967 | Moroccan |
| PLEWS, George Timothy | Director | 2021-03-31 | Oct 1962 | British |
| SIOUFFI, Walter | Director | 2022-05-01 | Jan 1956 | American |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CLIFFORD CHANCE SECRETARIES LIMITED | Corporate Nominee Secretary | 2004-12-29 | 2009-09-14 |
| TMF CORPORATE ADMINISTRATION SERVICES LIMITED | Corporate Secretary | 2009-09-14 | 2022-10-31 |
| AFRINE, Mohammed | Director | 2013-10-04 | 2023-02-06 |
| AGOUMI, Mohammed | Director | 2013-02-15 | 2021-06-01 |
| ALAOUI, Abdallah El Watiq | Director | 2005-02-10 | 2006-08-30 |
| AOUANI, Eric | Director | 2005-02-14 | 2010-06-17 |
| ASHER, Bernard Harry | Director | 2006-10-30 | 2011-06-30 |
| AYED, Abdel Jelil | Director | 2005-02-14 | 2011-01-31 |
| BAKER-MENETREY, Fabienne | Director | 2022-12-01 | 2025-12-31 |
| BARAKAT, Houssam El Hak Morssi | Director | 2018-04-20 | 2023-02-17 |
| BIRCHAREF, Mohammed | Director | 2009-06-16 | 2013-07-05 |
| BOTTS, John Chester | Director | 2006-10-30 | 2011-11-30 |
| BRITEL, Hicham | Director | 2007-01-18 | 2010-05-28 |
| FISHER, Colin Michael | Director | 2006-10-30 | 2018-04-25 |
| HAMZAOUI, Ramz Brehme | Director | 2010-09-16 | 2012-04-16 |
| HAMZAOUI, Ramz Brehme | Director | 2010-04-13 | 2010-04-13 |
| LEVY, Adrian Joseph Morris | Director | 2004-12-29 | 2005-02-10 |
| PARRY, Richard | Director | 2017-06-01 | 2023-04-30 |
| PLENDERLEITH, CBE, Ian | Director | 2006-10-30 | 2016-01-31 |
| PUDGE, David John | Nominee Director | 2004-12-29 | 2005-02-10 |
| REEVES, Christopher Reginald | Director | 2006-10-30 | 2007-11-20 |
| SNEDDEN, Ralph Cameron | Director | 2017-08-16 | 2023-07-24 |
| SURATGAR, David | Director | 2005-02-10 | 2022-08-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bmce International (Holdings) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 199 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-01-08 MA Memorandum articles
- 2025-01-02 MA Memorandum articles
- 2025-01-02 RESOLUTIONS Resolution
- 2024-12-30 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-04 | AA | accounts | Accounts with accounts type full | |
| 2026-01-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-30 | CH01 | officers | Change person director company with change date | |
| 2025-09-24 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-07 | AA | accounts | Accounts with accounts type full | |
| 2025-07-01 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-03-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-08 | MA | incorporation | Memorandum articles | |
| 2025-01-02 | MA | incorporation | Memorandum articles | |
| 2025-01-02 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-30 | CC04 | change-of-constitution | Statement of companys objects | |
| 2024-12-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-06 | CH01 | officers | Change person director company with change date | |
| 2024-10-13 | AA | accounts | Accounts with accounts type full | |
| 2024-08-21 | CH03 | officers | Change person secretary company with change date | |
| 2024-08-21 | CH03 | officers | Change person secretary company with change date | |
| 2024-08-17 | CH01 | officers | Change person director company with change date | |
| 2024-08-17 | CH01 | officers | Change person director company with change date | |
| 2024-08-17 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- 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.