ATOM BANK PLC
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Cash
—
Latest balance sheet
Net assets
£584m
+5.2% highest in 4 filed years
Employees
560
0% vs 2025
Profit before tax
£17m
+359.5% highest in 4 filed years
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|---|
| Net interest income | £75,300,000 | £99,100,000 | £200,000 | £10,900,000 | +5,350% | |
| Fee & commission income | £900,000 | £1,100,000 | — | — | — | |
| Operating income | £74,000,000 | £103,300,000 | — | — | — | |
| Impairment losses | £12,800,000 | £11,000,000 | £7,300,000 | £7,100,000 | -2.7% | |
| Profit before tax | -£10,000,000 | £7,000,000 | £3,700,000 | £17,000,000 | +359.5% | |
| Net profit | -£20,500,000 | £6,000,000 | — | £2,700,000 | — | |
| Loans & advances to customers | £3,213,000,000 | £4,742,900,000 | £7,790,000,000 | £8,390,000,000 | +7.7% | |
| Customer deposits | £4,615,100,000 | £5,745,000,000 | £7,730,000,000 | £8,380,000,000 | +8.4% | |
| Total assets | £3,711,600,000 | £7,224,400,000 | £9,026,000,000 | £10,228,000,000 | +13.3% | |
| Total liabilities | £7,556,100,000 | £8,393,200,000 | £8,471,000,000 | £9,644,000,000 | +13.8% | |
| Equity | — | £409,000,000 | £555,000,000 | £584,000,000 | +5.2% | |
| Average employees | 453 | 504 | 560 | 560 | 0% |
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 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|
| Operating margin | — | 14.7% | 12.8% | — | |
| Net margin | — | 3.3% | — | — | |
| Gearing (liabilities / total assets) | — | 94.3% | 93.9% | 94.3% | |
| Interest cover | — | 0.19x | 0.10x | — |
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 2 times since incorporation
- ATOM BANK PLC 2015-08-13 → present
- CROSSCO (1337) PLC 2014-03-20 → 2015-08-13
- CROSSCO (1337) LIMITED 2013-07-31 → 2014-03-20
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have prepared the financial statements on the going concern basis as they believe that the company and the Company financial statements are compliant with the UK adopted IFRS and FRS 102 'Reduced Disclosure Framework', and applicable law, and that they are appropriate to present a strategic report in the Annual Report. Atom has chosen, in accordance with the requirements of the Companies Act 2006 to present a strategic report in the Annual Report. Atom has chosen, in accordance with the requirements of the Companies Act 2006 to present a strategic report in the Annual Report. Atom has chosen, in accordance with the requirements of the Companies Act 2006 to present a strategic report in the Annual Report.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FARNWORTH, Laura | Secretary | 2019-12-03 | — | — |
| CESARIO, Fabrizio | Director | 2025-01-21 | Apr 1967 | Italian |
| COE, Christine Anne | Director | 2021-10-27 | Apr 1954 | British |
| ENGLISH, Catherine Prentke | Director | 2026-02-05 | Sep 1980 | American |
| FERNANDEZ-ACEYTUNO ZURDO, Maria Del Mar | Director | 2026-07-31 | Jun 1981 | Spanish |
| HOLLINGWORTH, Laurence David Edgar | Director | 2021-09-29 | May 1958 | British |
| KALKAN, Murat | Director | 2025-01-21 | Apr 1987 | American |
| MARSHALL, Andrew David | Director | 2022-11-01 | Sep 1980 | British |
| MILLINGTON, Cheryl Joanne | Director | 2018-11-06 | Jul 1966 | British |
| ROCHFORD, Lee Michael | Director | 2023-05-23 | Jan 1967 | British |
| ROPER, David Andrew | Director | 2018-07-31 | May 1961 | British |
| ÖZEN, Sait Ergun | Director | 2016-04-01 | May 1960 | Turkish |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HODGSON, Sarah | Secretary | 2014-03-18 | 2015-07-28 |
| TWIDDY, Edward | Secretary | 2015-07-28 | 2019-12-03 |
| DE LA HEY, John David | Director | 2022-11-30 | 2025-01-21 |
| DEANE, John Vincent | Director | 2014-03-18 | 2015-12-31 |
| DEL CASTILLO MARCHESE, Victoria | Director | 2018-06-18 | 2019-02-28 |
| HOGAN, Jonathan Derek | Director | 2014-09-22 | 2018-01-24 |
| JACKSON, Patricia Doreen | Director | 2014-09-22 | 2021-09-29 |
| MCCARTHY, David James | Director | 2014-05-01 | 2022-10-31 |
| MCFALL, John Francis, Lord | Director | 2014-09-22 | 2015-03-31 |
| MULLEN, Mark Thomas | Director | 2014-09-22 | 2026-09-04 |
| NICOLSON, Sean Torquil | Director | 2013-07-31 | 2013-09-20 |
| ORMEROD, Ian | Director | 2018-11-06 | 2020-03-12 |
| PAAVOLA, Teppo | Director | 2016-04-01 | 2018-06-01 |
| PERTUSA SANTOS, Alicia | Director | 2020-05-14 | 2025-01-21 |
| POWERS-FREELING, Laurel Claire | Director | 2015-07-28 | 2020-09-12 |
| ROMERA LOBO, Gonzalo | Director | 2019-03-12 | 2026-07-30 |
| ROSEWELL, Bridget Clare | Director | 2014-09-22 | 2023-09-14 |
| THOMSON, Anthony William | Director | 2013-09-20 | 2018-01-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S.A. | Corporate entity | Shares 25–50%, Voting 25–50% | 2022-10-14 | Ceased 2022-10-14 |
| Atom Holdco Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Voting 75–100% (as trust) | 2022-10-14 | Active |
| Toscafund Asset Management Llp | Corporate entity | Voting 25–50% | 2017-12-13 | Ceased 2022-10-14 |
| Banco Bilbao Vizcaya Argentaria S.A. | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2022-10-14 |
Filing timeline
Last 20 of 212 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-04-11 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-09-04 | AA | accounts | Accounts with accounts type full | |
| 2026-08-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-08-10 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-05-03 | CH01 | officers | Change person director company with change date | |
| 2026-04-11 | RESOLUTIONS | resolution | Resolution | |
| 2026-03-27 | SH01 | capital | Capital allotment shares | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-09-30 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-09-24 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-09-02 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-19 | AA | accounts | Accounts with accounts type full | |
| 2025-07-05 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-04 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-01-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-27 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-27 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 1
- Officers appointed
- 2
- Officers resigned
- 2
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.