STARLING BANK LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-03-03 (in 10mo)
Last made up 2026-02-17
Watchouts
Cash
£7B
+4% vs 2024
Net assets
£609M
-41.9% vs 2024
Employees
3,939
+12.3% vs 2024
Profit before tax
£223M
-26.3% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £748,435,000 | £787,588,000 | |
| Operating profit | £303,059,000 | £223,413,000 | |
| Profit before tax | £303,059,000 | £223,413,000 | |
| Net profit | £220,001,000 | £150,722,000 | |
| Cash | £6,459,094,000 | £6,717,177,000 | |
| Total assets less current liabilities | £14,570,958,000 | £15,310,037,000 | |
| Net assets | £1,048,052,000 | £608,833,000 | |
| Equity | £1,048,052,000 | £608,833,000 | |
| Average employees | 3,507 | 3,939 | |
| Wages | £301,013,000 | £292,002,000 | |
| Directors' remuneration | £6,704,000 | £4,231,000 |
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 2025-03-31 vs 2024-03-31
-
Turnover
+5.2%
£748,435,000 £787,588,000
-
Cash
+4%
£6,459,094,000 £6,717,177,000
-
Net assets
-41.9%
£1,048,052,000 £608,833,000
-
Employees
+12.3%
3,507 3,939
-
Operating profit
-26.3%
£303,059,000 £223,413,000
-
Profit before tax
-26.3%
£303,059,000 £223,413,000
-
Wages
-3%
£301,013,000 £292,002,000
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 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 40.5% | 28.4% | |
| Net margin | 29.4% | 19.1% | |
| Return on capital employed | 2.1% | 1.5% | |
| Gearing (liabilities / total assets) | 92.9% | 96.1% |
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
- STARLING BANK LIMITED 2016-07-15 → present
- STARLING FS LIMITED 2016-01-05 → 2016-07-15
- POSSIBLE FS LIMITED 2014-06-18 → 2016-01-05
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG 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 Group will continue in operation for the foreseeable future. This means that this is realistic.”
Group structure
- STARLING BANK LIMITED · parent
- Starling Bank Holdings Limited 100%
- Engine by Starling Services US LLC 100%
- Starling Bank Services Limited 100%
- Fleet Mortgages Limited 100%
- MFSI Holdings Limited 100%
- Starling FS Services Limited 100%
- Murmur Financial Services Limited 100%
- Murmur Financial Services International Designated Activity Company 100%
- Starling Bank (Ireland) DAC 100%
Significant events
- “On 2 April 2025, Engine by Starling Services US LLC was formed in the State of Delaware, United States, an indirect wholly owned subsidiary of the Company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 15 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RIDLEY, Veronica | Secretary | 2024-05-24 | — | — |
| BELL, Colin William | Director | 2025-10-06 | Feb 1968 | British |
| BHATIA, Raman | Director | 2024-06-24 | Nov 1978 | British |
| CAMPOS, Lazaro | Director | 2018-06-21 | May 1963 | Spanish |
| CHAKRAVERTY, Julie | Director | 2024-03-01 | Oct 1971 | British |
| CLARKE, Tracy Jayne | Director | 2021-05-26 | Feb 1967 | British |
| FERGUSON, Declan | Director | 2022-07-13 | Jan 1989 | British |
| GALARIA, Faisal | Director | 2022-06-01 | Oct 1973 | British |
| POPE, Darren Scott | Director | 2024-10-01 | Aug 1965 | British |
| SPROUL, David | Director | 2021-06-30 | Oct 1959 | British |
| TRAILL, Marcus John | Director | 2015-12-22 | May 1976 | New Zealander |
| WATTS, Richard James | Director | 2025-12-01 | Mar 1977 | British |
Show 15 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| NEWMAN, Matthew | Secretary | 2015-11-18 | 2024-05-24 |
| LORRAINE YOUNG COMPANY SECRETARIES LIMITED | Corporate Secretary | 2015-06-01 | 2015-11-18 |
| SARSAR LIMITED | Corporate Secretary | 2014-06-18 | 2015-06-01 |
| BODEN, Anne Elizabeth | Director | 2014-06-18 | 2024-06-30 |
| CLARKE, Carolyn | Director | 2020-10-31 | 2024-01-31 |
| COLSELL, Steven James | Director | 2015-09-18 | 2021-12-31 |
| ELLINGHAM, Tony | Director | 2016-08-17 | 2022-07-13 |
| IMAM, Claire Louise | Director | 2024-08-12 | 2024-10-17 |
| JENKINS, Ian Simon | Director | 2021-10-01 | 2025-09-30 |
| MARTIN, Marian Macdonald | Director | 2019-06-26 | 2025-09-30 |
| MAWDSLEY, Craig John | Director | 2015-12-22 | 2018-06-21 |
| MOUNTAIN, John Edmund | Director | 2023-06-20 | 2024-06-24 |
| RAFFE, Victoria Genevieve | Director | 2015-11-10 | 2021-12-06 |
| STOCKEN, Oliver Henry James | Director | 2015-11-12 | 2021-12-31 |
| WINLOW, Mark | Director | 2015-09-18 | 2021-10-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Starling Intermediate Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-30 | Active |
| Starling Group Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-06-27 | Ceased 2025-09-30 |
| Harald Mcpike-Zima | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2025-06-27 |
| Ms Anne Elizabeth Boden | Individual | Voting 25–50% | 2016-04-06 | Ceased 2019-04-10 |
Filing timeline
Last 20 of 167 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-08 RESOLUTIONS Resolution
- 2025-07-08 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-09 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-10-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-08 | RESOLUTIONS | resolution | Resolution | |
| 2025-07-08 | SH08 | capital | Capital name of class of shares | |
| 2025-07-08 | MA | incorporation | Memorandum articles | |
| 2025-07-08 | SH10 | capital | Capital variation of rights attached to shares | |
| 2025-07-04 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-07-04 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-06-12 | AA | accounts | Accounts with accounts type group | |
| 2025-03-03 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-02-25 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2025-02-05 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-03 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-14 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 2
- 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.