UK Companies House feature
ATOM BANK PLC
Profile
- Company number
- 08632552
- Status
- Active
- Incorporation
- 2013-07-31
- Last accounts made up
- 2025-03-31
- Account category
- FULL
- Primary SIC
- 64191
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Consolidated (group)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis, as the Directors are satisfied that the Bank continues to operate in business for the foreseeable future. In arriving at this judgement, the Directors have considered a wide range of information.”
Subsidiaries
- Atom Bank Employee Benefit Trust · Employee trust
- Elvet Mortgages 2021-1 plc · United Kingdom · Issue of securitised notes
- Elvet Mortgages 2020-1 plc · United Kingdom · Issue of securitised notes
- Elvet Mortgages 2023-1 plc · United Kingdom · Issue of securitised notes
- Elvet Mortgages 2025-1 plc · United Kingdom · Issue of securitised notes
Significant events
- “Atom Futures Fund launched in April 2024.”
- “Reached £1bn in commercial mortgage completions in May 2024.”
- “Best Online Lender at What Mortgage Awards for the 7th year in July 2024.”
- “Moved to Pattern Shop HQ in September 2024.”
- “Lending balances exceeded £3bn in October 2024.”
- “Raised £50m Tier 2 capital in October 2024.”
- “Issued sixth Elvet Securitisation in February 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
13 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FARNWORTH, Laura | Secretary | 2019-12-03 | — | — |
| CESARIO, Fabrizio | Director | 2025-01-21 | Apr 1967 | Italian |
| COE, Christine Anne | Director | 2021-10-27 | Apr 1954 | British |
| ENGLISH, Catherine Prentke | Director | 2026-02-05 | Sep 1980 | American |
| HOLLINGWORTH, Laurence David Edgar | Director | 2021-09-29 | May 1958 | British |
| KALKAN, Murat | Director | 2025-01-21 | Apr 1987 | American |
| MARSHALL, Andrew David | Director | 2022-11-01 | Sep 1980 | British |
| MILLINGTON, Cheryl Joanne | Director | 2018-11-06 | Jul 1966 | British |
| MULLEN, Mark Thomas | Director | 2014-09-22 | Feb 1968 | British |
| ROCHFORD, Lee Michael | Director | 2023-05-23 | Jan 1967 | British |
| ROMERA LOBO, Gonzalo | Director | 2019-03-12 | Aug 1976 | Spanish |
| ROPER, David Andrew | Director | 2018-07-31 | May 1961 | British |
| ÖZEN, Sait Ergun | Director | 2016-04-01 | May 1960 | Turkish |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HODGSON, Sarah | Secretary | 2014-03-18 | 2015-07-28 |
| TWIDDY, Edward | Secretary | 2015-07-28 | 2019-12-03 |
| DE LA HEY, John David | Director | 2022-11-30 | 2025-01-21 |
| DEANE, John Vincent | Director | 2014-03-18 | 2015-12-31 |
| DEL CASTILLO MARCHESE, Victoria | Director | 2018-06-18 | 2019-02-28 |
| HOGAN, Jonathan Derek | Director | 2014-09-22 | 2018-01-24 |
| JACKSON, Patricia Doreen | Director | 2014-09-22 | 2021-09-29 |
| MCCARTHY, David James | Director | 2014-05-01 | 2022-10-31 |
| MCFALL, John Francis, Lord | Director | 2014-09-22 | 2015-03-31 |
| NICOLSON, Sean Torquil | Director | 2013-07-31 | 2013-09-20 |
| ORMEROD, Ian | Director | 2018-11-06 | 2020-03-12 |
| PAAVOLA, Teppo | Director | 2016-04-01 | 2018-06-01 |
| PERTUSA SANTOS, Alicia | Director | 2020-05-14 | 2025-01-21 |
| POWERS-FREELING, Laurel Claire | Director | 2015-07-28 | 2020-09-12 |
| ROSEWELL, Bridget Clare | Director | 2014-09-22 | 2023-09-14 |
| THOMSON, Anthony William | Director | 2013-09-20 | 2018-01-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S.A. | Corporate entity | Shares 25–50%, Voting 25–50% | 2022-10-14 | Ceased 2022-10-14 |
| Atom Holdco Plc | Corporate entity | Shares 75–100%, Voting 75–100%, voting-rights-75-to-100-percent-as-trust | 2022-10-14 | Active |
| Toscafund Asset Management Llp | Corporate entity | Voting 25–50% | 2017-12-13 | Ceased 2022-10-14 |
| Banco Bilbao Vizcaya Argentaria S.A. | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2022-10-14 |
Filing timeline
Last 20 of 208 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-03 | CH01 | officers | change person director company with change date |
| 2026-04-11 | RESOLUTIONS | resolution | resolution |
| 2026-03-27 | SH01 | capital | capital allotment shares |
| 2026-02-11 | AP01 | officers | appoint person director company with name date |
| 2025-10-09 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2025-09-30 | MR04 | mortgage | mortgage satisfy charge full |
| 2025-09-24 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2025-09-02 | AD01 | address | change registered office address company with date old address new address |
| 2025-08-19 | AA | accounts | accounts with accounts type full |
| 2025-07-05 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-07-04 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2025-01-27 | AP01 | officers | appoint person director company with name date |
| 2025-01-27 | AP01 | officers | appoint person director company with name date |
| 2025-01-27 | TM01 | officers | termination director company with name termination date |
| 2025-01-27 | TM01 | officers | termination director company with name termination date |
| 2024-09-09 | AA | accounts | accounts with accounts type full |
| 2024-07-04 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-02-08 | RP04SH01 | capital | second filing capital allotment shares |
| 2024-02-02 | SH01 | capital | capital allotment shares |
| 2023-11-17 | RESOLUTIONS | resolution | resolution |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Composite activity score · components 0–100 · reference 2026-05-09
47.9
COOL
/ 100
- Filings velocity 92
- Capital events 20
- Officer churn 25
- Headcount trajectory 50
- Accounts trajectory 50
- 11 filing(s) in last 12 months
- 1 capital event(s) in last 24 months
- 1 appointed, 0 resigned (12mo)