BIRMINGHAM BANK LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-04-23 (in 11mo)
Last made up 2026-04-09
Watchouts
None on the register
Cash
£11M
+189% highest in 4 filed years
Net assets
£38M
+101% highest in 4 filed years
Employees
61
+52.5% highest in 4 filed years
Profit before tax
-£11M
-43.9% lowest in 4 filed years
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · latest reflected 2024-12-31
| Metric | Trend | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Turnover | £615,981 | £757,483 | £1,118,000 | £4,436,000 | |
| Operating profit | -£3,433,880 | -£4,194,356 | -£7,606,000 | -£10,948,000 | |
| Profit before tax | -£3,433,880 | -£4,194,356 | -£7,606,000 | -£10,948,000 | |
| Net profit | — | — | -£7,247,000 | -£10,844,000 | |
| Cash | £2,506,063 | £1,895,707 | £3,866,000 | £11,172,000 | |
| Total assets less current liabilities | £10,582,540 | £11,360,360 | £18,959,000 | £38,115,000 | |
| Net assets | £8,362,528 | £6,206,123 | £18,959,000 | £38,115,000 | |
| Equity | £8,362,528 | £6,206,123 | £18,959,000 | £38,115,000 | |
| Average employees | 20 | 24 | 40 | 61 | |
| Wages | — | — | £4,336,000 | £6,233,000 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Operating margin | -557.5% | -553.7% | -680.3% | -246.8% | |
| Net margin | — | — | -648.2% | -244.5% | |
| Return on capital employed | -32.4% | -36.9% | -40.1% | -28.7% | |
| Gearing (liabilities / total assets) | — | — | 35.9% | 74.8% | |
| Current ratio | — | — | 0.60x | 0.15x | |
| Interest cover | — | — | -35.71x | -5.48x |
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.
Audit & accounting basis
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 2
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+296.8%
£1,118,000 £4,436,000
highest in 4 filed years
-
Cash
+189%
£3,866,000 £11,172,000
highest in 4 filed years
-
Net assets
+101%
£18,959,000 £38,115,000
highest in 4 filed years
-
Employees
+52.5%
40 61
highest in 4 filed years
-
Operating profit
-43.9%
-£7,606,000 -£10,948,000
lowest in 4 filed years
-
Profit before tax
-43.9%
-£7,606,000 -£10,948,000
lowest in 4 filed years
-
Wages
+43.8%
£4,336,000 £6,233,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers