TXT In plain English
Company description
ATOM BANK PLC is a UK company whose Companies House status is “Active” and whose registered company type is “Public Limited Company”. Incorporated on 31 July 2013; registered for 13 years; registered office reported in NEWCASTLE UPON TYNE, ENGLAND. Its primary declared activity is 64191 · Banks.
This BritDB profile also contains linked public records: 6 PSC records, 4 trade marks. This description is assembled from public data, is not a reliability assessment, and should be checked against the cited sources before a legally significant decision.
Web facts are never added from a name match alone. Internet enrichment requires the exact Companies House ID in Wikidata, and ambiguous results are excluded.
01 Company overview
Identity and registration
- Official name
- ATOM BANK PLC
- Company number
- 08632552
- Company type
- Public Limited Company
- Status
- Active
- Country of origin
- United Kingdom
- Dissolution date
- Not supplied
- Accounts category
- FULL
- Mortgage charges
- 9 total · 3 outstanding · 6 satisfied
- Limited partnership members
- 0 general · 0 limited
A registered office is not necessarily a trading location. The address is reproduced from the Companies House bulk record and should be interpreted in that legal context.
02 Filing dates
Accounts and statements
Last accounts made up to
31 March 2025Next accounts due
30 September 2026Last statement made up to
25 June 2026Next statement due
9 July 2027BritDB does not infer overdue status when the source does not state it.
03 Workforce reporting
Gender pay gap
- Median bonus gap
- 76.3%
- Mean bonus gap
- 69.2%
- Women receiving bonus
- 100.0%
- Men receiving bonus
- 100.0%
- Women in top quartile
- 20.3%
- Women in upper middle quartile
- 39.5%
- Women in lower middle quartile
- 46.7%
- Women in lower quartile
- 60.3%
Earlier reporting years (8)
- 500 to 99932.4% median hourly gap
- 250 to 49937.6% median hourly gap
- 250 to 49935.5% median hourly gap
- 250 to 49932.5% median hourly gap
- 250 to 49933.9% median hourly gap
- 250 to 49933.2% median hourly gap
- 250 to 49934.9% median hourly gap
- 250 to 49931.6% median hourly gap
Positive gaps mean men were paid more; negative gaps mean women were paid more. These figures are employer-reported and describe the workforce distribution, not equal pay for the same job. The company link uses the exact Companies House number supplied by the service.
04 Supplier payments
Payment practices and performance
- Reporting period
- 1 October 2025 – 31 March 2026
- Filed
- 27 April 2026
- Shortest standard term
- 30 days
- Longest standard term
- Not supplied
- E-invoicing offered
- No
- Supply-chain finance
- Not offered
- Payment codes
- No
- Construction retentions
- No qualifying construction contracts
Complete reported payment fields
- Policy regime
- Regime-3
- Financial period started
- 1 April 2025
- Qualifying contracts
- Yes
- Payments made
- Yes
- Invoice value paid within 30 days
- £24,852,042
- Invoice value paid in 31–60 days
- £4,288,367
- Invoice value paid after 60 days
- £3,824,438
- Invoice value paid outside agreed terms
- £11,445,486
- Invoices paid in 31–60 days
- 15.0%
- Invoices unpaid due to dispute
- 1.0%
- Maximum contractual payment period
- 30 days
- Supplier-list charging policy
- No
- Supplier-list charges made
- No
Reported terms and dispute process
- Standard payment terms
30 days from date of receipt of a valid invoice
- Dispute resolution process
For general PO or payment queries, e-mail should be sent to accounts@atombank.co.uk or a message to the ask-accounts slack channel.
In the first instance the supplier relationship manager will contact the supplier with the intention of arriving at a satisfactory resolution. Payment is withheld during the period of dispute, with the supplier being notified of this fact.
Where more significant disputes occur, these are resolved in accordance with the process outlined in the individual supplier contracts.
Earlier payment reports (11 shown)
- 27.0 average days to pay40.0% outside terms
- 30.0 average days to pay32.0% outside terms
- 29.0 average days to pay23.0% outside terms
- 25.0 average days to pay25.0% outside terms
- 25.0 average days to pay26.0% outside terms
- 22.0 average days to pay26.0% outside terms
- 29.0 average days to pay27.0% outside terms
- 17.0 average days to pay24.0% outside terms
- 24.0 average days to pay42.0% outside terms
- 20.0 average days to pay34.0% outside terms
- 17.0 average days to pay38.0% outside terms
This is a company-submitted statutory disclosure, not a credit rating. BritDB preserves the reporting period and links the report only through the Companies House number supplied by the official service. Percentages describe payments made during that period and may change in later reports.
05 Global legal identity
Legal Entity Identifier
ATOM BANK PLC
LEI 213800YWQOYL4VQODV50 · jurisdiction GB
- Legal form
- B6ES
- Entity category
- GENERAL
- Entity created
- 31 July 2013
- Initial LEI registration
- 21 September 2015
- LEI last updated
- 8 November 2025
- Next renewal
- 6 December 2026
- Managing LOU
- 213800WAVVOPS85N2205
- Other legal names
- CROSSCO (1337) PLC; CROSSCO (1337) LIMITED
- Legal address
- THE PATTERN SHOP, SUSSEX STREET, NEWCASTLE UPON TYNE, GB-NET, NE1 3PD, GB
- Headquarters address
- THE PATTERN SHOP, SUSSEX STREET, NEWCASTLE UPON TYNE, GB-NET, NE1 3PD, GB
GLEIF Level 2 relationships
IS DIRECTLY CONSOLIDATED BY
From LEI 213800YWQOYL4VQODV50 to LEI 2138004P8JTY3CACDA84
- Related legal entity
- ATOM HOLDCO PLC →
- Initial registration
- 21 September 2015
- Last updated
- 8 November 2025
- Next renewal
- 6 December 2026
- Validation sources
- FULLY_CORROBORATED
- Validation documents
- ACCOUNTS_FILING
- Relationship periods
- Start: 2022-04-01T00:00:00Z; End: 2023-03-31T00:00:00Z; Type: ACCOUNTING_PERIOD; Start: 2024-05-17T00:00:00Z; Type: RELATIONSHIP_PERIOD
- Qualifiers
- Dimension: ACCOUNTING_STANDARD; Category: IFRS
- Validation reference
- https://www.atombank.co.uk/~/docs/annual-report-22-23-holdco.pdf
IS ULTIMATELY CONSOLIDATED BY
From LEI 213800YWQOYL4VQODV50 to LEI 2138004P8JTY3CACDA84
- Related legal entity
- ATOM HOLDCO PLC →
- Initial registration
- 21 September 2015
- Last updated
- 8 November 2025
- Next renewal
- 6 December 2026
- Validation sources
- FULLY_CORROBORATED
- Validation documents
- ACCOUNTS_FILING
- Relationship periods
- Start: 2022-04-01T00:00:00Z; End: 2023-03-31T00:00:00Z; Type: ACCOUNTING_PERIOD; Start: 2024-05-17T00:00:00Z; Type: RELATIONSHIP_PERIOD
- Qualifiers
- Dimension: ACCOUNTING_STANDARD; Category: IFRS
- Validation reference
- https://www.atombank.co.uk/~/docs/annual-report-22-23-holdco.pdf
LEI data provides global legal identity and source-reported relationships, not a credit or regulatory approval. BritDB links Level 1 identities only through GLEIF’s Companies House registration-authority identifier and exact company number; Level 2 parent and fund relationships and reporting exceptions are reproduced as supplied by GLEIF.
06 Data protection
ICO fee-payer registration
Atom Bank PLC
Registration ZA106993
- Registered from
- 19 March 2015
- Current end date
- 18 March 2027
- Trading names
- Atom Bank, Digital Mortgages
This is a candidate association, not an official Companies House link. The ICO file supplies no company number. The organisation name and postcode uniquely matched this company in the current snapshot. BritDB excludes all DPO contact fields and does not publish unmatched personal entries.
TM UK trade marks
Exact owner-name matches
ATOM
Owner Atom Bank Plc · classes 9,16,25,28,35,36
- Filed / designated
- 10 March 2014
- Valid until / renewal due
- 10 March 2024
Figurative mark
Owner Atom Bank Plc · classes 9,16,25,28,35,36
- Filed / designated
- 10 March 2014
- Valid until / renewal due
- 10 March 2024
Atom Bank
Owner Atom Bank Plc · classes 9,16,25,28,35,36
- Filed / designated
- 10 March 2014
- Valid until / renewal due
- 10 March 2024
ESTABLISHED IN THE FUTURE
Owner Atom Bank Plc · classes 9,16,25,28,35,36
- Filed / designated
- 6 December 2013
- Valid until / renewal due
- 6 December 2023
This is an exact normalised company-name match, not a registrar-confirmed ownership link. Another legal entity can have the same or a very similar name. UKIPO data is a historical 2018 snapshot; verify the owner and current status before relying on it.
07 Ownership and control
People with significant control
Atom Holdco Plc
- Owns 75% or more of shares
- Controls 75% or more of voting rights
- Controls 75% or more of voting rights (as a trust)
- Country registered
- England
- Legal authority
- Companies Act 2006
- Legal form
- Public Limited Company
- Place registered
- Companies House
- Registration number
- 14129045
- Notified
- 14 October 2022
Banco Bilbao Vizcaya Argentaria S.A.
- Owns 25% to 50% of shares
- Controls 25% to 50% of voting rights
- Country registered
- Spain
- Legal authority
- Spanish Law
- Legal form
- Joint Stock Company
- Place registered
- Mercantile Registry Of Vizcaya
- Registration number
- Volume 2,083, Page 1 And Sheet Bi-17-A
- Notified
- 14 October 2022
- Ceased
- 14 October 2022
Psc details not confirmed
- Notified
- 18 December 2020
- Ceased
- 3 March 2021
Toscafund Asset Management Llp
- Controls 25% to 50% of voting rights
- Country registered
- England And Wales
- Legal authority
- Limited Liability Partnerships Act 2000
- Legal form
- Limited Liability Partnership
- Place registered
- Companies House
- Registration number
- Oc320318
- Notified
- 13 December 2017
- Ceased
- 14 October 2022
Psc details not confirmed
- Notified
- 18 July 2016
- Ceased
- 26 June 2017
Banco Bilbao Vizcaya Argentaria S.A.
- Owns 25% to 50% of shares
- Controls 25% to 50% of voting rights
- Country registered
- Spain
- Legal authority
- Spanish Law
- Legal form
- Joint Stock Company
- Place registered
- Mercantile Registry Of Vizcaya
- Registration number
- Volume 2,083, Page 1 And Sheet Bi-17-A
- Notified
- 6 April 2016
- Ceased
- 14 October 2022
PSC records are company-filed public-register information. When the exact same displayed individual name occurs at multiple companies, BritDB offers a non-indexed cross-reference page. It is a name match only, not proof that the records describe the same person. Service addresses and partial dates of birth are deliberately omitted.
08 Charity register
Charity Commission links
No exact company-number link in this snapshot
The Charity Commission extract did not explicitly associate this Companies House number with a charity. BritDB does not use a name-only match to fill the gap.
This company-level check covers the Charity Commission for England and Wales. Links are accepted only when the official extract supplies this exact company registration number. Scottish charities now have separate OSCR profiles, but OSCR’s bulk fields do not provide a Companies House number, so BritDB does not infer a company link.
09 Northern Ireland charity register
CCNI exact company links
No unambiguous company-number link found
The CCNI source number did not resolve uniquely to this Companies House record. BritDB did not use a name or address match.
CCNI publishes company numbers without a jurisdiction prefix. BritDB links only when the plausible padded UK and NI candidates resolve to exactly one Companies House company.
10 Sanctions screening
UK Sanctions List
No exact business-registration-number link found
The imported UK Sanctions List did not supply this Companies House number as a UK-linked business identifier. BritDB did not attempt a name-only match.
No exact link is not sanctions clearance. UK restrictions can apply through ownership or control even where an entity is not separately named. Always use the current official list and obtain appropriate advice for a legally significant decision.
11 Public procurement
Find a Tender links
No exact GB-COH link in this snapshot
Find a Tender did not explicitly identify this Companies House number in a procurement party. BritDB did not attempt a name-only match.
These links use only the GB-COH identifier supplied in the procurement record. A company may have other public-sector work that is absent, older, below publication thresholds or published without a Companies House identifier.
12 Environmental register
Environment Agency waste registrations
No exact company-number registration linked
The licensed Environment Agency subset did not contain this exact Companies House number. BritDB did not attempt a name-only match.
This is a privacy-reduced, exact-company subset. The full official register also includes sole traders and applicants without a matching Companies House number. Check the current Environment Agency register before relying on registration status.
13 Nature of business
Standard Industrial Classification
14 Connected public record
Checks beyond the company register
Charity Commission
0 exact company-number links.
Northern Ireland charities
0 unambiguous company-number links.
Public contracts
0 procurement processes linked by exact GB-COH identifier.
Waste register
0 exact company-number registrations.
Corporate notices
The Gazette is not yet connected.
UK Sanctions List
No exact business-registration-number link in this report.
A checked source with no exact link is not a clean bill of health. Unchecked sources remain unknown, while sanctions may also apply through ownership or control of a listed person or entity.
15 Record timeline
Dates in the bulk record
- Confirmation statement
Latest confirmation statement made up to this date
- Accounts
Latest accounts made up to this date
- Company name
Previous name: CROSSCO (1337) PLC
- Incorporation
Company incorporated
16 Provenance
Sources for this profile
Identity, address, status, dates, SIC, previous names and mortgage totals.
Annual employer reports linked by the exact source-supplied Companies House number.
Statutory supplier-payment reports linked by the exact source-supplied Companies House number.
Global legal identities linked through Companies House registration authority RA000585.
Privacy-reduced candidate associations based on a unique exact name-and-postcode match.
Current and ceased significant-control records joined by exact company number.
Daily England and Wales extract matched only by the official company registration number.
Daily CCNI export with company links only where the source number resolves unambiguously.
Complete FCDO list checked by exact UK-linked business registration number.
Procurement parties checked only through exact GB-COH identifiers.
Licensed subset linked only by exact Companies House number.
Financial regulation and licences.
Companies House, Charity Commission, OSCR and UK Sanctions List information is public-register data. BritDB reproduces and organises it with source-specific limits; official external links are kept on the dedicated source pages.