ALDERMORE BANK PLC
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-06-30
Confirmation statement due
2026-11-13 (in 6mo)
Last made up 2025-10-30
Watchouts
Cash
£1B
-45.6% vs 2024
Net assets
£2B
+17.7% vs 2024
Employees
1,331
-4.5% vs 2024
Profit before tax
£221M
+1.1% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 2 times since incorporation
- ALDERMORE BANK PLC 2009-06-24 → present
- RUFFLER BANK PLC 1996-03-29 → 2009-06-24
- LORDSVALE FINANCE PLC 1969-02-10 → 1996-03-29
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £199,100,000 | £226,600,000 | |
| Profit before tax | £218,200,000 | £220,700,000 | |
| Net profit | £162,100,000 | £163,200,000 | |
| Cash | £2,172,200,000 | £1,182,300,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £1,371,800,000 | £1,614,600,000 | |
| Equity | £1,371,800,000 | £1,614,600,000 | |
| Average employees | 1,394 | 1,331 | |
| Wages | £116,600,000 | £115,000,000 |
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 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 93.2% | 92.2% | |
| Interest cover | 0.25x | 0.27x |
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
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements are prepared on a going concern basis. The Directors are satisfied that the Bank has the resources to continue in business for the 12 months from the date of approval of the financial statements and that there are no material uncertainties to disclose.”
Group structure
- ALDERMORE BANK PLC · parent
- Aldermore Finance Oxford Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 57 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CONWAY, Melissa | Secretary | 2023-03-01 | — | — |
| HUGHES, David Jonathan | Secretary | 2024-01-01 | — | — |
| BRITNELL, Louise Jeanette | Director | 2025-09-15 | May 1979 | British |
| BUTLER, Patrick Noel | Director | 2018-01-01 | Dec 1960 | Irish |
| CROWLEY, Desmond Edward | Director | 2020-05-01 | Oct 1959 | Irish |
| DAVIAS, Markos George | Director | 2024-04-01 | Apr 1981 | South African |
| HANDCOCK, Ruth Anna | Director | 2021-10-01 | Feb 1980 | British |
| LAWRENCE, Paul Joseph | Director | 2025-12-01 | Mar 1961 | British |
| LENMAN, Alasdair Bruce | Director | 2024-07-01 | Dec 1969 | British |
| MAKANJEE, Rajendra | Director | 2025-11-03 | Jan 1964 | South African,Maltese |
| MURRAY, Rosemary Carol | Director | 2021-08-01 | Jan 1965 | British |
| SAINSBURY, Adrian John | Director | 2026-04-09 | Mar 1968 | British |
| VILAKAZI, Mary Seemane | Director | 2024-04-01 | Aug 1977 | South African |
Show 57 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BANNERTON, Shane, Mr. | Secretary | 2008-02-01 | 2009-05-20 |
| BODELL, Kerryn Lynn | Secretary | 2019-10-01 | 2022-06-03 |
| DEVI, Anchna | Secretary | 2018-03-12 | 2018-12-12 |
| HAYNES, Stuart John | Secretary | 2009-06-15 | 2011-03-22 |
| KENNEALLY, Kevin | Secretary | 1993-10-01 | 2008-02-01 |
| LAGAN, Jonathan Patrick | Secretary | 2022-06-04 | 2022-08-31 |
| OLIVER, Anthony | Secretary | — | 1993-10-01 |
| PARKER-WOOD, Clive Stanley | Secretary | 2022-09-01 | 2023-02-28 |
| SIMPSON, Dionne Jane Patricia | Secretary | 2011-03-22 | 2015-02-27 |
| SPENCER, Rachel Louise | Secretary | 2015-02-27 | 2017-12-31 |
| VAN NIEKERK, Marius | Secretary | 2018-12-12 | 2019-09-27 |
| VAN NIEKERK, Marius | Secretary | 2018-01-01 | 2018-03-11 |
| ALMOND, Jayne Doreen | Director | 2011-04-04 | 2014-01-16 |
| ARCULUS, Thomas David Guy | Director | 2010-10-19 | 2013-07-30 |
| BAILEY, Michael Patrick | Director | 2004-07-07 | 2007-06-30 |
| BAINES, John Duncan | Director | 2010-10-12 | 2013-02-26 |
| BAKER, Clifford Malcolm | Director | 1993-10-22 | 2005-03-31 |
| BANKS, Richard Lee | Director | 2020-09-01 | 2026-01-05 |
| BANNERTON, Shane, Mr. | Director | 2008-03-31 | 2009-05-20 |
| BARRY, Stephen | Director | 2009-10-14 | 2014-09-21 |
| BARTON, David | Director | 1996-05-10 | 2007-08-30 |
| BRIMLEY, John Alan | Director | 1994-06-20 | 2004-08-11 |
| BURGER, Johan Petrus | Director | 2018-03-14 | 2018-08-31 |
| CALLENDER, John Dalrymple | Director | 2009-05-20 | 2015-02-27 |
| CARTWRIGHT, Peter Bramwell | Director | 2009-05-20 | 2016-04-18 |
| CHANDARIA, Dinesh Maganlal | Director | 1998-06-17 | 2000-08-03 |
| COATES, Ralph Douglas | Director | 2022-05-01 | 2025-09-15 |
| COCHRANE, Neil Andrew | Director | 2014-09-04 | 2016-10-14 |
| COOPER, Steven Martin | Director | 2021-05-10 | 2025-10-31 |
| CORDELL, Mary Claire | Director | 2020-02-24 | 2022-04-30 |
| FABRIZI, Francisco Anthony Bodie | Director | 2004-10-14 | 2007-08-30 |
| GRAY, Danuta | Director | 2014-09-29 | 2021-03-31 |
| HITCHINS, John Charles Fortescue | Director | 2014-05-28 | 2025-05-28 |
| JONES, Glyn Parry | Director | 2014-03-21 | 2017-02-06 |
| KELLAN, Hetash Surendrakumar | Director | 2018-10-08 | 2024-03-31 |
| MACK, Christopher James | Director | 2013-06-27 | 2020-01-31 |
| MCFADYEN, Finlay Stuart | Director | 2009-05-20 | 2012-03-26 |
| MOLYNEUX, Mark Thomas John | Director | 2009-05-20 | 2010-10-19 |
| MONKS, Phillip | Director | 2009-05-20 | 2021-05-07 |
| MYERS, Paul Christopher | Director | 2009-07-06 | 2014-09-21 |
| NAIL, Jonathan Warren | Director | 1993-10-01 | 2009-05-20 |
| OLIVER, Anthony | Director | — | 1993-10-01 |
| PALMER, Christine Joan | Director | 2017-05-16 | 2020-07-31 |
| PATRICK, Christopher John | Director | 2016-11-21 | 2018-03-14 |
| PRICE, Charles Beaufort | Director | 2005-03-31 | 2009-05-20 |
| PULLINGER, Alan Patrick | Director | 2018-03-14 | 2024-03-31 |
| RHODES, Jervis Rigby | Director | 2006-06-01 | 2010-04-20 |
| ROBINSON, David Arthur Thomas | Director | 2007-04-01 | 2009-05-20 |
| RUFFLER, William Robert | Director | — | 2009-05-20 |
| SCRIVENER, Reginald James | Director | — | 1994-07-29 |
| SHARPE, Robert | Director | 2015-06-29 | 2017-10-31 |
| SHAW, Peter Anderson | Director | 2014-09-04 | 2020-09-30 |
| SOSKIN, David Gideon Frank Aurele Xavier | Director | 2012-05-28 | 2014-06-02 |
| STAMPER, Christopher Paul | Director | 2013-05-29 | 2019-07-03 |
| STEPHENS, Mark St John | Director | 2009-05-20 | 2014-09-21 |
| TURNER, Catherine Lucy | Director | 2014-05-28 | 2022-10-31 |
| WILKINS, Ian John | Director | 2010-11-12 | 2013-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aldermore Group Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 383 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-06 | CH01 | officers | Change person director company with change date | |
| 2025-11-04 | AA | accounts | Accounts with accounts type full | |
| 2025-11-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-18 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-05 | AUD | auditors | Auditors resignation company | |
| 2024-10-24 | AA | accounts | Accounts with accounts type full | |
| 2024-07-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-11 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 4
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 2025-06-30 vs 2024-06-30
-
Turnover
—
Not reported
-
Cash
-45.6%
£2,172,200,000 £1,182,300,000
-
Net assets
+17.7%
£1,371,800,000 £1,614,600,000
-
Employees
-4.5%
1,394 1,331
-
Operating profit
+13.8%
£199,100,000 £226,600,000
-
Profit before tax
+1.1%
£218,200,000 £220,700,000
-
Wages
-1.4%
£116,600,000 £115,000,000
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