HAVIN BANK LTD
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-09-15 (in 4mo)
Last made up 2025-09-01
Watchouts
None on the register
Cash
£30M
-21.9% vs 2023
Net assets
£24M
+2.5% vs 2023
Employees
24
+9.1% vs 2023
Profit before tax
£761K
-19.8% vs 2023
Name history
Renamed 1 time since incorporation
- HAVIN BANK LTD 2005-12-22 → present
- HAVANA INTERNATIONAL BANK LIMITED 1972-10-03 → 2005-12-22
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £5,336,644 | £5,679,555 | |
| Operating profit | £949,071 | £760,814 | |
| Profit before tax | £949,071 | £760,814 | |
| Net profit | £720,375 | £587,118 | |
| Cash | £38,342,174 | £29,954,158 | |
| Total assets less current liabilities | — | — | |
| Net assets | £23,594,030 | £24,183,332 | |
| Equity | £23,594,030 | £24,183,332 | |
| Average employees | 22 | 24 | |
| Wages | £1,066,801 | £1,117,002 |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 17.8% | 13.4% | |
| Net margin | 13.5% | 10.3% | |
| Gearing (liabilities / total assets) | 80.7% | 78.0% | |
| Current ratio | 1.22x | 1.26x | |
| Interest cover | 0.63x | 0.44x |
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
- Zenith Audit Ltd
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have reviewed the Bank's forecasts, projections and stress tests, taking into account reasonable possible changes in trading performance, which show that the Company has sufficient financial resources. On the basis of this review, and after making due enquiries, the Directors have a reasonable expectation that the Bank has adequate resources to continue in operational existence for the foreseeable future and for a period of at least 12 months from the date of approval of the Financial Statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CORONA CHAVEZ, Yuri | Director | 2025-02-01 | Aug 1976 | Cuban |
| KHALIQ, Iltaph | Director | 2024-03-01 | Nov 1967 | British |
| RECIO-CARBAJAL, Roy Luis | Director | 2018-04-01 | Mar 1984 | Cuban |
| ROCA SANCHEZ, Gustavo Renan | Director | 2000-11-22 | Dec 1940 | Cuban |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BLACKMORE, David | Secretary | 2023-05-02 | 2025-12-01 |
| RACTLIFFE, Brian Arthur | Secretary | 2012-10-23 | 2017-08-01 |
| SHAH, Shirish Amratlal | Secretary | 2019-09-02 | 2022-11-29 |
| SHAH, Shirish Amratlal | Secretary | 2017-08-01 | 2019-09-02 |
| TEACHER, David Sampson | Secretary | — | 2012-10-23 |
| ABDO, Michelle | Director | 2004-05-18 | 2006-11-30 |
| BACALLAO FORNAGUERA, Ivetthe Idalia | Director | 2007-10-29 | 2011-09-16 |
| BLACKMORE, David | Director | 2023-05-02 | 2025-11-30 |
| CHAO, Lazaro | Director | — | 2000-09-15 |
| CORONA CHAVEZ, Yuri | Director | 2020-08-01 | 2025-02-01 |
| CUERVO CESPEDES, Maria Elena | Director | 2013-06-01 | 2014-12-05 |
| FERNANDEZ, Marta Alba | Director | 2001-09-21 | 2004-04-06 |
| GIL GOMEZ, Guillermo | Director | 2004-05-18 | 2020-03-13 |
| LEAL GARCIA, Gema Margarita | Director | 2020-08-01 | 2023-04-01 |
| LEBREDO, Jose Carlos | Director | — | 2001-08-23 |
| LOPEZ GARCES, Orlando Daire | Director | 2009-01-15 | 2012-05-04 |
| LOPEZ GONZALEZ, Carlos Miguel | Director | 2000-11-22 | 2003-03-27 |
| MARTINEZ DIAZ, Nelson | Director | 2004-05-18 | 2010-05-11 |
| MULET, Abelardo | Director | 2000-08-14 | 2004-04-06 |
| PILOTO, Gervasio Tomas Lorenzo | Director | 2003-09-01 | 2009-01-15 |
| RANGEL, Carlos | Director | 2001-09-21 | 2004-04-06 |
| RANGEL GARCIA, Raul Eduardo | Director | — | 2004-08-31 |
| RICO-TRUJILLO, Maikel | Director | 2018-09-26 | 2025-04-03 |
| RODRIGUEZ, Jose Julio | Director | — | 2000-11-01 |
| SANCHEZ CRUZ, Jose Manuel | Director | 2000-11-22 | 2004-04-06 |
| SHAH, Shirish Amratlal | Director | 2019-09-02 | 2022-11-29 |
| SHAH, Shirish Amratlal | Director | 2006-04-01 | 2019-09-02 |
| TEACHER, David Sampson | Director | 2000-12-01 | 2006-01-31 |
| TORRES, Luis | Director | 2000-11-22 | 2003-03-26 |
| TRIESMAN, David Maxim, Lord | Director | 2013-03-20 | 2021-11-01 |
| VAZ, Jose | Director | — | 2000-11-22 |
| VICTORIA, Aldo | Director | — | 2018-04-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Banco Central De Cuba | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 232 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-09 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-12-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-04 | AA | accounts | Accounts with accounts type full | |
| 2025-09-15 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-15 | CH01 | officers | Change person director company with change date | |
| 2025-09-15 | CH01 | officers | Change person director company with change date | |
| 2025-04-24 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-24 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-13 | CH01 | officers | Change person director company with change date | |
| 2024-10-22 | AA | accounts | Accounts with accounts type full | |
| 2024-09-30 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-09-27 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2024-09-18 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-06 | AA | accounts | Accounts with accounts type full | |
| 2024-03-22 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-11-06 | CH01 | officers | Change person director company with change date | |
| 2023-11-06 | CH01 | officers | Change person director company with change date | |
| 2023-11-06 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+6.4%
£5,336,644 £5,679,555
-
Cash
-21.9%
£38,342,174 £29,954,158
-
Net assets
+2.5%
£23,594,030 £24,183,332
-
Employees
+9.1%
22 24
-
Operating profit
-19.8%
£949,071 £760,814
-
Profit before tax
-19.8%
£949,071 £760,814
-
Wages
+4.7%
£1,066,801 £1,117,002
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