FCE BANK PLC
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-04-07 (in 11mo)
Last made up 2026-03-24
Watchouts
Cash
£923M
-13.4% vs 2024
Net assets
£2B
-17.1% vs 2024
Employees
750
-14.3% vs 2024
Profit before tax
£167M
+42.7% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 | — | — | |
| Operating profit | — | — | |
| Profit before tax | £117,000,000 | £167,000,000 | |
| Net profit | £55,000,000 | £96,000,000 | |
| Cash | £1,066,000,000 | £923,000,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £2,055,000,000 | £1,704,000,000 | |
| Equity | £2,055,000,000 | £1,704,000,000 | |
| Average employees | 875 | 750 | |
| Wages | £71,000,000 | £61,000,000 |
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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 85.1% | 87.0% |
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
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors confirm that the group is a going concern.”
Group structure
- FCE BANK PLC · parent
- Ford Credit Italia S.p.A 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 80 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ESSENMACHER, Leah | Secretary | 2025-06-12 | — | — |
| HIGGINS, Kerry Victoria | Secretary | 2025-09-11 | — | — |
| BAUM, Jonathan Graydon | Director | 2023-11-01 | Aug 1966 | British |
| FERREIRA, Talita | Director | 2019-02-08 | May 1971 | British |
| MARTEL, Marlene Marie | Director | 2021-09-16 | Sep 1970 | American |
| MILES, Keeley | Director | 2023-11-01 | Sep 1973 | British |
| NIETO BENITO, Maria Del Carmen | Director | 2025-09-11 | Jul 1976 | Spanish |
| O'CONNOR, Brendan John | Director | 2020-09-17 | Jun 1965 | Irish |
| TREADWAY, Carlos Dewayne | Director | 2021-01-14 | Jun 1970 | American |
Show 80 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ADESANYA, Abimbola Moradeke | Secretary | 2020-12-03 | 2025-05-30 |
| BRACKLEY, Michael John | Secretary | 1993-03-01 | 1997-04-06 |
| COHEN, Howard Paul | Secretary | 2017-01-19 | 2025-07-31 |
| FERRISS, Mary Elizabeth | Secretary | 1993-03-01 | 1997-11-04 |
| HUGHES, Graham Paul | Secretary | 1997-01-20 | 2009-06-16 |
| JOBLING, Natalie Helen | Secretary | 1999-10-18 | 2004-06-04 |
| KJOLHEDE, Katherine Marie | Secretary | 1997-04-07 | 1999-10-18 |
| KJOLHEDE, Katherine Marie | Secretary | 1997-01-20 | 1997-04-07 |
| LAVENDER, Michael David | Secretary | 2010-11-04 | 2021-02-28 |
| PAGE, Clive Charles | Secretary | — | 1993-03-31 |
| PARACHINI, Thomas Allen | Secretary | 2009-06-16 | 2010-11-03 |
| PRINGLE, Robert Alistair | Secretary | 2008-02-01 | 2011-09-01 |
| ROGOFF, Carol Vernice | Secretary | 2004-09-01 | 2008-02-01 |
| SCALES, Eugene Patrick | Secretary | 2010-11-04 | 2017-01-19 |
| SWARTZ, James | Secretary | 2013-08-01 | 2016-06-30 |
| TOTSKY, Joanna Magdalena | Secretary | 2011-09-01 | 2013-08-31 |
| AHLUWALIA, Narpal Singh | Director | 2019-05-24 | 2022-12-02 |
| BANNISTER, Michael Edward | Director | 1995-05-26 | 2004-01-01 |
| BILYEU, Charles Alan | Director | 2015-07-01 | 2021-11-26 |
| BLEAKLEY, William Edward | Director | 1996-08-30 | 1997-07-21 |
| BLEAKLEY, William Edward | Director | 1993-11-24 | 1996-09-30 |
| BOGDANOWICZ-BINDERT, Christine Anne | Director | 2005-09-01 | 2013-12-31 |
| BOSSCHER, James William | Director | 1993-06-30 | 1993-11-23 |
| BRACKLEY, Michael John | Director | 1995-05-05 | 1997-04-06 |
| BRACKLEY, Michael John | Director | 1993-06-30 | 1993-11-23 |
| BRADY, Robert Colin | Director | 1993-11-24 | 2005-02-28 |
| BRADY, Robert Colin | Director | 1993-06-30 | 1993-11-23 |
| BROOKS, William George Francis | Director | — | 1993-06-30 |
| BROWNRIGG, Nicholas John | Director | 2025-05-22 | 2025-08-31 |
| CALLENDER, John Dalrymple | Director | 2011-03-24 | 2020-09-30 |
| CEENEY, Natalie Anna | Director | 2019-10-17 | 2023-10-31 |
| COFFEY, John | Director | 2002-08-01 | 2020-03-31 |
| COOK, Donald Stuart | Director | 1993-11-24 | 1996-04-28 |
| CORBELLO, Richard Albert | Director | 2006-08-01 | 2007-09-30 |
| CORBELLO, Richard Albert | Director | 2001-07-25 | 2006-06-01 |
| DE ROUSSET HALL, Peter | Director | 1997-06-04 | 2005-12-01 |
| DE ROUSSET HALL, Peter | Director | — | 1993-04-30 |
| DROTMAN, James Bernard | Director | 2018-04-09 | 2018-12-31 |
| FALOTICO, Nancy Joy | Director | 2016-01-01 | 2017-01-19 |
| FALOTICO, Nancy Joy | Director | 2006-07-21 | 2009-03-23 |
| FLANIGAN, David Carroll | Director | — | 2002-08-01 |
| FOERTSCH, Rainer | Director | 1997-04-01 | 2004-10-01 |
| GREEN, Paul Lewis Slocombe | Director | — | 1994-12-31 |
| GREEN, Timothy Scott | Director | 1996-09-05 | 1999-04-01 |
| GRONEN, Christoph Hans-Georg Robert | Director | 1993-11-24 | 1997-04-01 |
| HALLORAN, George | Director | 1997-10-14 | 2000-10-12 |
| HIGGINS, Michael Hugh | Director | 1993-11-24 | 1994-12-31 |
| JEPSON, Peter Rodney | Director | 1999-04-01 | 2011-12-31 |
| JONES, Dale Arthur | Director | 2017-01-19 | 2018-12-31 |
| KIERNAN, Paul Roger | Director | 2011-11-01 | 2023-10-31 |
| LOWE, Michael | Director | 1997-07-21 | 2000-12-01 |
| MCALLISTER, Ian Gerald | Director | — | 1993-06-30 |
| MICHALIK, Cecilia Ann | Director | 1996-05-28 | 1999-07-01 |
| MORGAN, Charlotte Elisabeth Diana | Director | 2014-10-01 | 2018-12-31 |
| MOYNES, James | Director | 2005-12-01 | 2006-07-01 |
| MURPHY, Todd Scott | Director | 2009-03-25 | 2016-01-01 |
| MURPHY, Todd Scott | Director | — | 1993-07-09 |
| NOONE, John Thomas | Director | 2004-01-01 | 2012-04-01 |
| OWEN, Richard | Director | 2018-01-01 | 2018-03-06 |
| PRATT, Charlie Frank | Director | 2013-02-01 | 2015-06-30 |
| REED, John | Director | 2014-04-07 | 2024-04-30 |
| RIBITS, Michael Ernest | Director | 2006-07-21 | 2008-11-01 |
| RICHARDSON, Peter Charles | Director | 1998-02-27 | 1998-03-13 |
| ROBINSON, Keith John | Director | 2020-04-01 | 2023-12-31 |
| ROBINSON, Michael Frederick | Director | 2001-07-25 | 2011-03-24 |
| ROMER LEE, Alexander Knyvett | Director | 2006-10-01 | 2015-03-31 |
| ROTHWELL, Ralph Nicolaus | Director | 2004-10-01 | 2018-01-01 |
| SCHNEIDER, Thomas Charles | Director | 2011-01-27 | 2021-12-02 |
| SILVERSTONE, Bernard Barron | Director | 2000-10-12 | 2012-12-31 |
| SMITH, Gregory Charles | Director | 1996-02-29 | 1997-06-01 |
| SOIRON, Heinz Horst | Director | 1993-11-24 | 1995-04-08 |
| SVIGGUM, Ingvar Magnak | Director | 1996-02-29 | 2000-10-10 |
| TAVERNE, Suzanna | Director | 2008-04-01 | 2019-10-16 |
| TAYLOR, Harry | Director | 1993-11-24 | 2001-12-31 |
| THOMSON, Stanley | Director | 1993-11-24 | 2006-12-31 |
| TONER, Charles Gerard | Director | 1999-11-01 | 2007-09-30 |
| VAN LEEUWEN, Richard Charles | Director | 1994-02-11 | 1996-03-22 |
| VANDENPLAS, Alain Paul Guy | Director | 2007-03-28 | 2009-02-01 |
| WARNER, Robert Donald | Director | — | 1993-06-30 |
| YOUNG, Myron Dale | Director | — | 1994-02-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ford Eco Gmbh | Corporate entity | Shares 75–100%, Voting 75–100%, significant-influence-or-control-as-firm | 2021-10-13 | Active |
Filing timeline
Last 20 of 507 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-27 | AA | accounts | Accounts with accounts type group | |
| 2025-09-22 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-15 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-06-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-06-09 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2025-06-09 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-05-14 | AUD | auditors | Auditors resignation company | |
| 2025-05-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-08 | AA | accounts | Accounts with accounts type group | |
| 2025-03-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-08-07 | CH01 | officers | Change person director company with change date | |
| 2024-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-26 | AA | accounts | Accounts with accounts type group | |
| 2024-03-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-03-22 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-03-22 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2024-01-02 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 3
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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
—
Not reported
-
Cash
-13.4%
£1,066,000,000 £923,000,000
-
Net assets
-17.1%
£2,055,000,000 £1,704,000,000
-
Employees
-14.3%
875 750
-
Profit before tax
+42.7%
£117,000,000 £167,000,000
-
Wages
-14.1%
£71,000,000 £61,000,000
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