ATOM BANK PLC

🌳Matureactive

08632552 · plc · incorporated 2013-07-31

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

9 live charges · 7 lenders · oldest 8.5y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 8.5 years old — likely at or near maturity.
· 7 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

9 charges (9/9 with lender, 9/9 with type)

Directors & officers

29 officers (13 active, 29 linked, 26 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

11 connected companies via shared directors

Filing history

208 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 officers
• 1 resolution
• 1 capital

Last 180 days

filings

• 2 officers
• 1 resolution
• 1 capital

Counts from Companies House filing history.

Corporate timeline (83 events)Click to expand

2026-05-03
📄
change-person-director-company-with-change-date
officers · CH01
2026-04-11
📄
resolution
resolution · RESOLUTIONS
2026-03-27
📄
capital-allotment-shares
capital · SH01
2026-02-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-05
➕
ENGLISH, Catherine Prentke appointed
director
2025-10-09
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-06
🔒
Charge registered #9
Lender: Abn Amro Clearing Bank N.V
2025-09-30
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-30
🔓
Charge satisfied #8
2025-09-24
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-24
🔒
Charge registered #8
Lender: Abn Amro Clearing Bank N.V.
2025-09-02
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-19
📄
accounts-with-accounts-type-full
accounts · AA
2025-07-04
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-01-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-21
➕
CESARIO, Fabrizio appointed
director
2025-01-21
➕
KALKAN, Murat appointed
director
2025-01-21
➖
DE LA HEY, John David resigned
director
2025-01-21
➖
PERTUSA SANTOS, Alicia resigned
director
2024-09-09
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-08
📄
second-filing-capital-allotment-shares
capital · RP04SH01
2024-02-02
📄
capital-allotment-shares
capital · SH01
2023-11-17
📄
resolution
resolution · RESOLUTIONS
2023-11-13
📄
capital-allotment-shares
capital · SH01
2023-10-31
📄
accounts-with-accounts-type-full
accounts · AA
2023-09-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-09-14
➖
ROSEWELL, Bridget Clare resigned
director
2023-05-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-23
➕
ROCHFORD, Lee Michael appointed
director
2022-11-30
➕
DE LA HEY, John David appointed
director
2022-11-01
➕
MARSHALL, Andrew David appointed
director
2022-10-31
➖
MCCARTHY, David James resigned
director
2021-10-27
➕
COE, Christine Anne appointed
director
2021-09-29
➕
HOLLINGWORTH, Laurence David Edgar appointed
director
2021-09-29
➖
JACKSON, Patricia Doreen resigned
director
2020-09-24
🔓
Charge satisfied #2
2020-09-12
➖
POWERS-FREELING, Laurel Claire resigned
director
2020-07-16
🔓
Charge satisfied #6
2020-05-14
➕
PERTUSA SANTOS, Alicia appointed
director
2020-03-12
➖
ORMEROD, Ian resigned
director
2019-12-03
➕
FARNWORTH, Laura appointed
secretary
2019-12-03
➖
TWIDDY, Edward resigned
secretary
2019-06-12
🔓
Charge satisfied #4
2019-06-11
🔓
Charge satisfied #3
2019-06-03
🔒
Charge registered #7
Lender: The Governor and Company of the Bank of England as Security Trustee for the Security Beneficiaries
2019-03-12
➕
ROMERA LOBO, Gonzalo appointed
director
2019-03-06
🔓
Charge satisfied #1

Showing most recent 50 of 83 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-12 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 72 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Atom Holdco Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Atom Holdco Plc

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ATOM BANK PLC

This company · 08632552

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Atom Holdco Plc Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting · trust interest	14/10/2022

3 historic (ceased) PSCs

Banco Bilbao Vizcaya Argentaria S.A.ceased 14/10/2022· 25-50% shares · 25-50% voting
Toscafund Asset Management Llpceased 14/10/2022· 25-50% voting
Banco Bilbao Vizcaya Argentaria S.A.ceased 14/10/2022· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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ATLAS CARD SERVICES LIMITED→ 11512718 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ATU INVESTMENTS LTD.→ 14197174 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

9 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →

🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

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Company details

Statusactive

Typeplc

Incorporated2013-07-31

Jurisdictionengland-wales

Primary SIC64191 — Banks

Registered office

The Pattern Shop

Sussex Street

Newcastle Upon Tyne

NE1 3PD

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-07-18

Last: 2025-07-04