Company Overview
Philippine National Bank (Europe) Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Wednesday 15 June 1994, so this is a well established company. Philippine National Bank (Europe) Plc has been in business for 31 years and 9 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

238 Vauxhall Bridge Road, London, SW1V 1AU
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Companies House Data
Company NamePHILIPPINE NATIONAL BANK (EUROPE) PLC
Company Number02939223
Registered Office Address238 Vauxhall Bridge Road
 SW1V 1AU
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/06/1994
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date13/07/2017
Returns Last Made Up Date15/06/2016
Previous Company NameChanged Date
PNB (EUROPE) PLC24 Apr 2015
PHILIPPINE NATIONAL BANK (EUROPE) PLC12 Oct 2011
Directors & Members
Show Resigned
Christopher Edwards - Director
(British, 70 years old, born August 1956)
Appointed 01 October 2020
 Active
Chester Luy - Director
(Filipino, 57 years old, born January 1969)
Appointed 19 December 2019
 Active
Christopher Nelson - Director
(British, 67 years old, born April 1959)
Appointed 24 August 2021
 Active
Secretaries
Show Resigned
Other Company Directorships
Christopher Edwards
BEACH VIEW MANAGEMENT COMPANY LIMITED
Chester Luy
No companies found
Christopher Nelson
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 303,000 303,000 225,000
Current Assets 19,320,000 19,320,000 6,982,000
Creditors Due Within One Year 13,401,000 13,401,000 2,624,000
Working Cap 5,919,000 5,919,000 4,358,000
Total Assets Less Current Liabilities 6,222,000 6,222,000 4,583,000
Long-term Liabilities 0 0 0
Net Assets 6,222,000 6,222,000 4,583,000
Share Capital & Reserves
Share Cap 10,914,000 10,914,000 10,914,000
Profit & Loss Reserves -6,468,000 -6,468,000 -6,337,000
Other Reserves 1,776,000 1,776,000 6,000
Shareholders Funds 6,222,000 6,222,000 4,583,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 1.5% 1.5% 3.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 96.5% 96.5% 94.1%
Cash Bank In Hand 0.7% 0.7% 1.3%
Current Assets 98.5% 98.5% 96.9%
Creditors Due Within One Year 68.3% 68.3% 36.4%
Net Current Assets Liabilities 30.2% 30.2% 60.5%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 31.7% 31.7% 63.6%
Called Up Share Capital 55.6% 55.6% 151.4%
Share Capital Allotted Called Up Paid 55.6% 55.6% 151.4%
Profit Loss Account Reserve -33.0% -33.0% -87.9%
Shareholder Funds 31.7% 31.7% 63.6%
Capital Employed - - -
Total Assets Less Current Liabilities 31.7% 31.7% 63.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 1.4 1.4 2.7
Solvency Ratio 1.5 1.5 2.7
Reserves to Assets -0.3 -0.3 -0.9
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 19,623,000 19,623,000 7,207,000
Debt 13,401,000 13,401,000 2,624,000
Net Assets/Debt 6,222,000 6,222,000 4,583,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Termination of appointment of Jose German Mendoza Licup as a director on 23 June 2025
Confirmation statement made on 15 June 2025 with no updates
Appointment of Mr Jose German Mendoza Licup as a director on 7 August 2024
Confirmation statement made on 15 June 2024 with no updates
Director's details changed for Ms Cristy Mendoza Vicentina on 28 February 2024
Termination of appointment of Ernesto Villacorta as a director on 6 February 2024
Termination of appointment of Teresita Uy Sebastian as a director on 20 December 2023
Appointment of Ms Cristy Mendoza Vicentina as a director on 15 December 2023
Register inspection address has been changed from C/O Hackwood Secretaries Limited One Silk Street London EC2Y 8HQ United Kingdom to C/O Mbg Professional Services Limited 100 Baker Street London W1U 6WG
Appointment of Mbg Professional Services Limited as a secretary on 1 October 2023
Termination of appointment of Hackwood Secretaries Limited as a secretary on 1 October 2023
Appointment of Teresita Uy Sebastian as a director on 18 August 2023
Confirmation statement made on 15 June 2023 with no updates
Auditor's resignation
Notification of a person with significant control statement
Cessation of Lucio Tan as a person with significant control on 28 June 2022
Confirmation statement made on 15 June 2022 with no updates
Appointment of Christopher James Nelson as a director on 24 August 2021
Confirmation statement made on 15 June 2021 with no updates
Termination of appointment of Nelson Carlos Reyes as a director on 27 May 2021
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