UK Companies House feature
BIRMINGHAM BANK LIMITED
Cash
£2M
-24.4% vs 2021
Net assets
£6M
-25.8% vs 2021
Employees
24
+20% vs 2021
Profit before tax
-£4M
-22.1% vs 2021
Profile
- Company number
- 00555071
- Status
- Active
- Incorporation
- 1955-09-24
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64191
- Hubs
- UK Fintech
Net assets
2-year trend · vs UK Fintech median
BIRMINGHAM BANK LIMITED
BIRMINGHAM BANK LIMITED
BIRMINGHAM BANK LIMITED
BIRMINGHAM BANK LIMITED
Accounts
2-year trend · latest 2022-12-31
| Metric | Trend | 2021-12-31 | 2022-12-31 |
|---|---|---|---|
| Turnover | £615,981 | £757,483 | |
| Operating profit | -£3,433,880 | -£4,194,356 | |
| Profit before tax | -£3,433,880 | -£4,194,356 | |
| Net profit | — | — | |
| Cash | £2,506,063 | £1,895,707 | |
| Total assets less current liabilities | £10,582,540 | £11,360,360 | |
| Net assets | £8,362,528 | £6,206,123 | |
| Equity | £8,362,528 | £6,206,123 | |
| Average employees | 20 | 24 | |
| Wages | — | — |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Beever and Struthers
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on the going concern basis which the Directors consider to be appropriate for the reasons set out below.”
Significant events
- “a £17.5 million capital inflow in January 2025.”
- “The long term viability of the Bank was supported by the £30 million capital receipt in 2024 with a further £17.5m received in January 2025.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
10 active · 45 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| O'SULLIVAN, Emma | Secretary | 2021-01-08 | — | — |
| UNDERHILL, Matthew | Secretary | 2026-04-01 | — | — |
| ARNOLD, Katrina Irene Matilda | Director | 2018-03-08 | Nov 1958 | British |
| CALAMARI, Nicholas John | Director | 2025-12-19 | Dec 1978 | American |
| FISHER, Nicholas | Director | 2023-05-25 | Dec 1970 | English |
| FROST, Peter | Director | 2023-09-20 | Oct 1965 | British |
| HOLMES, Andrew Julian | Director | 2021-01-08 | Sep 1965 | British |
| JARMAN, Alan Watkin | Director | 2025-04-11 | May 1968 | British |
| POTTER-PRICE, Susan | Director | 2017-11-16 | Nov 1960 | British |
| WELLER, Chris | Director | 2023-12-08 | Apr 1983 | British |
Show 45 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HAWKINS, Alan Keith | Secretary | — | 2020-03-05 |
| STEVENS, Richard Henry | Secretary | 2020-03-05 | 2021-01-08 |
| BENTLEY, Peter Frederick George | Director | — | 1995-09-30 |
| BRAWN, David Malcolm | Director | 1993-12-08 | 1996-02-29 |
| BRYSON, Agnes Hamilton | Director | 2020-01-31 | 2021-01-08 |
| BURTON, Frank William | Director | 2015-03-26 | 2021-01-08 |
| COLLINS, John Richard | Director | 2006-09-12 | 2020-08-31 |
| DRAPER, Trevor Ronald | Director | 2012-01-16 | 2012-06-29 |
| FERGUSON, James Hunter | Director | 2003-09-18 | 2012-06-29 |
| FIRTH, David Ian | Director | — | 1991-07-11 |
| FOLLETT, Ian | Director | 1995-05-08 | 1998-05-11 |
| GOLDING, Andrew Neil | Director | 2014-10-01 | 2018-11-28 |
| HAWKINS, Alan Keith | Director | — | 2020-12-21 |
| JARRETT, Robert Edwin | Director | 2005-02-24 | 2013-02-28 |
| KINGDON, Gerald Roy | Director | 1991-07-11 | 1995-05-08 |
| KINGDON, Gerald Ian | Director | 1986-06-03 | 2003-05-15 |
| KINGDON, Gerald Ian | Director | — | 1995-05-08 |
| LAMONT, Michael Gary | Director | 2023-04-01 | 2024-10-25 |
| LAWRENCE, Ian Michael | Director | 1998-01-01 | 2010-03-31 |
| LAWSON, John Francis | Director | 2000-01-01 | 2012-06-29 |
| LAWSON, John Francis | Director | 1993-05-10 | 1997-05-09 |
| LEWIS, Howard Thomas | Director | 2003-05-15 | 2019-02-18 |
| LOCKE, Alan Overt | Director | — | 1992-05-22 |
| MARSHALL, Cecil | Director | — | 1994-05-10 |
| MCCARTNEY, Thomas Graham | Director | 2008-11-12 | 2009-09-18 |
| MORRIS, John Charles | Director | 2012-01-16 | 2020-04-05 |
| MUTER, Morris Robert | Director | 2012-09-10 | 2021-01-08 |
| NOYCE, William Timothy | Director | 1997-05-09 | 1998-03-12 |
| O'DELL, Clifford Edmonds | Director | 1998-12-03 | 2013-11-14 |
| PAGE, Margaret | Director | 1998-01-01 | 2013-09-24 |
| PATTERSON, John Bryan | Director | 1998-05-11 | 2000-05-24 |
| PEARS, David Christopher | Director | 2011-02-24 | 2021-01-08 |
| RILEY, Rachel Anne Harriet | Director | 2020-01-31 | 2020-04-02 |
| ROWLATT, Richard David | Director | 1992-05-22 | 1996-04-17 |
| RYAN, Kevin | Director | 2024-10-25 | 2025-12-19 |
| SMELLIE, Brian James Macdonald | Director | 1997-05-09 | 1998-05-11 |
| SMITH, Matthew Jonathan Quintus | Director | 2021-06-18 | 2023-09-29 |
| SPIRES, John | Director | 1999-12-09 | 2018-11-17 |
| STEPHENS, Mark St John | Director | 2021-08-27 | 2024-08-27 |
| SWIFT, Jonathan Frank | Director | 1993-12-08 | 2006-05-19 |
| TILLY, Eric John | Director | — | 2003-11-05 |
| TOWLSON, Malcolm | Director | 2021-01-08 | 2023-01-26 |
| TURNER, Geoffrey Leonard | Director | — | 1994-05-10 |
| WINTERS, Glynn | Director | 1996-04-17 | 1996-12-04 |
| WOODS, William Gerald | Director | 1994-05-10 | 1998-05-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Better Home And Finance Holding Company | Corporate entity | Shares 75–100%, Voting 75–100% | 2025-12-22 | Active |
| Lee Oscar Bushell | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-01-08 | Ceased 2023-04-01 |
| Bira Trading Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-11-16 | Ceased 2021-01-08 |
Filing timeline
Last 20 of 265 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-10 | CH03 | officers | change person secretary company with change date |
| 2026-04-10 | CS01 | confirmation-statement | confirmation statement with updates |
| 2026-04-01 | AP03 | officers | appoint person secretary company with name date |
| 2026-04-01 | AP01 | officers | appoint person director company with name date |
| 2026-02-19 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2026-02-19 | PSC09 | persons-with-significant-control | withdrawal of a person with significant control statement |
| 2025-12-22 | TM01 | officers | termination director company with name termination date |
| 2025-05-30 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-05-30 | SH01 | capital | capital allotment shares |
| 2025-04-22 | AP01 | officers | appoint person director company with name date |
| 2025-03-31 | AA | accounts | accounts with accounts type full |
| 2025-02-10 | SH01 | capital | capital allotment shares |
| 2024-11-19 | AP01 | officers | appoint person director company with name date |
| 2024-11-05 | TM01 | officers | termination director company with name termination date |
| 2024-10-24 | TM01 | officers | termination director company with name termination date |
| 2024-06-18 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-03-20 | AA | accounts | accounts with accounts type full |
| 2024-02-15 | SH01 | capital | capital allotment shares |
| 2024-02-15 | SH01 | capital | capital allotment shares |
| 2024-02-08 | RP04SH01 | capital | second filing capital allotment shares |
Credit score
Altman Z″ (private-firm) · reference 2022-12-31
3.29
SAFE
Altman Z″
- Working capital / Total assets 0.662 × 6.56 = +4.34
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets -0.246 × 6.72 = -1.65
- Book equity / Total liabilities 0.572 × 1.05 = +0.60
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.