91/ 100
Robust

ATOM BANK PLC

Active08632552|Public Limited Company|Est. 13 years ago|Updated 12 Apr 2026
Financial Health
52
Compliance & Legal
79
Governance & Structure
81
Network Risk
87
Operational Quality
57

ATOM BANK PLC (08632552) is a public limited company registered in NEWCASTLE UPON TYNE, incorporated in 2013. The company operates in the banks sector. Our database holds 83 signals from 16 official sources covering this company's filings, appointments, and regulatory records. Risk assessment: 91/100 ("robust"), reflecting a strong compliance and financial profile. The company has 3 outstanding mortgage charges registered with Companies House.

Key Facts

Status
Active
Company Type
Public Limited Company
Industry
Location
NEWCASTLE UPON TYNE, NE1 3PD
Incorporated
31 Jul 2013
Accounts Category
FULL
Next Accounts Due
30 Sept 2026
Next Statement Due
18 Jul 2026
Mortgage Charges
9
Outstanding
3

About ATOM BANK PLC

Atom Bank PLC is an active public limited company incorporated in 2013 and based in Newcastle upon Tyne, operating within the banking industry. The company offers savings accounts, mortgages, and business loans, highlighting a specific Easy Access Cash ISA with a variable Annual Equivalent Rate of 4.25%.

Business Profile

Business Model
B2C
Target Market
UK retail consumers
Key Products & Services
Easy Access CASH ISASavings AccountsMortgagesBusiness Loans

Company History

  • CROSSCO (1337) PLCChanged 13 Aug 2015

Directors (13)

View all
  • MM
    MR MARK THOMAS MULLEN
    Director since 22 Sept 2014
  • MS
    MR SAIT ERGUN ÖZEN
    Director since 1 Apr 2016
  • MD
    MR DAVID ANDREW ROPER
    Director since 31 Jul 2018
  • MC
    MS CHERYL JOANNE MILLINGTON
    Director since 6 Nov 2018
  • MG
    MR GONZALO ROMERA LOBO
    Director since 12 Mar 2019

Data Signals

View details
83
Total Signals
16
Data Sources
91/100
Risk Score

Good data coverage from 16 sources. Risk score of 91 indicates a strong compliance profile.

Financial
42
Compliance
18
ESG
9
Governance
4
Risk
3
corporate_structure
2
innovation
2
quality
2
Trade
1

Industry Context

ATOM BANK PLC is 1 of 2 banks companies in NEWCASTLE UPON TYNE, out of 597 active companies in this sector nationally (826 including dissolved).

17.2 yrs
Sector avg. age
55.6%
Older than peers
0.5%
Sector dissolution
Company: 13 yearsSector avg: 17.2 yrs
Older than 55.6% of active companies in this sector

Director Network

The 11 directors of ATOM BANK PLC are connected to 16 other companies.

None of these connected companies have been dissolved.

Property Portfolio

ATOM BANK PLC is listed as the proprietor of 1 property in the HM Land Registry.

Properties are located in North.

Mortgage Charges

1
Total charges
1
Outstanding
0
Satisfied

Regulatory Status

FCA Regulated
FRN: 661960

Innovation & Grants

2
Grants awarded

ATOM BANK PLC has received 2 Innovate UK grants. This shows active participation in UK innovation programmes.

Capabilities & Expertise

Technologies
Trustpilot

Compliance & Trade

Food Hygiene Rated
ICO Registered
LEI Registered
Importer

Payment Practices

Period ending 30 Sept 2025
27 days
Avg. payment time
68%
Paid within 30 days
3%
Paid after 60 days

ATOM BANK PLC pays invoices in an average of 27 days. 68% are paid within 30 days.

Data Sources

This company profile is built from 15 official data sources: Ch Officers, Companies House, FCA Register, FSA Register, Food Standards Agency, GLEIF, Gateway to Research, Gender Pay Gap Service, HM Land Registry, HMRC Trade Info, ICO, Innovate UK, PRA, Payment Practices, WHOIS.

Similar Companies

Frequently Asked Questions

What does ATOM BANK PLC do?

Atom Bank PLC is an active public limited company incorporated in 2013 and based in Newcastle upon Tyne, operating within the banking industry.

Who are the directors of ATOM BANK PLC?

Current directors include MR MARK THOMAS MULLEN, MR SAIT ERGUN ÖZEN, MR DAVID ANDREW ROPER and 2 more.

Where is ATOM BANK PLC registered?

ATOM BANK PLC is registered in NEWCASTLE UPON TYNE, United Kingdom.

What is the SIC code for ATOM BANK PLC?

ATOM BANK PLC operates under SIC code 64191 — Banks.

What is the risk score for ATOM BANK PLC?

ATOM BANK PLC has a risk score of 91 out of 100, classified as "Robust". This score is calculated from 83 data signals across 16 government sources.

When are the next accounts due for ATOM BANK PLC?

The next accounts for ATOM BANK PLC are due on 30 Sept 2026.

Was ATOM BANK PLC previously known by another name?

Yes, ATOM BANK PLC was previously known as CROSSCO (1337) PLC.

What products or services does ATOM BANK PLC offer?

ATOM BANK PLC offers Easy Access CASH ISA, Savings Accounts, Mortgages, Business Loans.

Does ATOM BANK PLC own property in the UK?

Yes, ATOM BANK PLC is listed as the proprietor of 1 property in the HM Land Registry, located in North.

What is the banks sector like in the UK?

The dissolution rate for the banks sector in the UK is 0.5%. The average company age in this sector is 17.2 years.

Is ATOM BANK PLC still trading?

ATOM BANK PLC is currently listed as "Active" on Companies House, indicating it is still a registered company. An "Active" status means the company has not been dissolved, struck off, or entered into liquidation.

What type of company is ATOM BANK PLC?

ATOM BANK PLC is registered as a Public Limited Company, which is a company whose shares can be traded on a public stock exchange. PLCs must have a minimum share capital of £50,000.

How old is ATOM BANK PLC?

ATOM BANK PLC was incorporated on 31 Jul 2013, making it 13 years old. The company remains active and in good standing.

What industry does ATOM BANK PLC operate in?

ATOM BANK PLC is classified under SIC code 64191 (Banks). The Standard Industrial Classification system is used by the UK government to categorise businesses by their primary economic activity.

How much data is available on ATOM BANK PLC?

We track 83 data signals from 16 official government sources for ATOM BANK PLC.

Data verified: 12 Apr 2026 from 16 official sources · Data sourced from Ch Officers, Companies House, FCA Register, FSA Register, Food Standards Agency, GLEIF, Gateway to Research, Gender Pay Gap Service, HM Land Registry, HMRC Trade Info, ICO, Innovate UK, PRA, Payment Practices, WHOIS and other official UK government databases. Verify on Companies House.