Company Overview
Al Rayan Bank Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Thursday 11 July 2002, so this is a well established company. Al Rayan Bank Plc has been in business for 23 years and 8 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

4 Stratford Place, London, W1C 1AT
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Companies House Data
Company NameAL RAYAN BANK PLC
Company Number04483430
Registered Office Address4 Stratford Place
 W1C 1AT
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/07/2002
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 Date29/06/2017
Returns Last Made Up Date01/06/2016
Previous Company NameChanged Date
ISLAMIC BANK OF BRITAIN PLC11 Dec 2014
Directors & Members
Show Resigned
Hamad Al Thani - Director
(Qatari, 64 years old, born January 1962)
Appointed 01 June 2022
 Active
Omar Al-Emadi - Director
(Qatari, 46 years old, born February 1980)
Appointed 01 November 2022
 Active
Fahad Alkhalifa - Director
(Qatari, 54 years old, born August 1972)
Appointed 01 December 2021
 Active
Caroline Ashton - Director
(British, 63 years old, born February 1963)
Appointed 26 January 2021
 Active
Giles Cunningham - Director
(British, 57 years old, born August 1969)
Appointed 30 September 2021
 Active
Steven Hicks - Director
(British, 63 years old, born May 1963)
Appointed 06 September 2021
 Active
Catherine Lewis - Director
(British, 62 years old, born September 1964)
Appointed 01 July 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Hamad Al Thani
No companies found
Omar Al-Emadi
No companies found
Fahad Alkhalifa
No companies found
Caroline Ashton
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Steven Hicks
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Catherine Lewis
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Balance Sheet
Fixed Assets 261,245,361 261,245,361 129,829,113
Current Assets 106,740,286 106,740,286 131,318,362
Creditors Due Within One Year 343,735,572 343,735,572 241,071,833
Working Cap -236,995,286 -236,995,286 -109,753,471
Total Assets Less Current Liabilities 24,250,075 24,250,075 20,075,642
Long-term Liabilities 0 0 0
Net Assets 24,250,075 24,250,075 20,075,642
Share Capital & Reserves
Share Cap 45,464,700 45,464,700 35,464,700
Profit & Loss Reserves -75,942,218 -75,942,218 -70,245,789
Other Reserves 54,727,593 54,727,593 54,856,731
Shareholders Funds 24,250,075 24,250,075 20,075,642
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Tangible Fixed Assets - - -
Fixed Assets 71.0% 71.0% 49.7%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.3% 0.3% 0.3%
Cash Bank In Hand 28.7% 28.7% 0.3%
Current Assets 29.0% 29.0% 50.3%
Creditors Due Within One Year 93.4% 93.4% 92.3%
Net Current Assets Liabilities -64.4% -64.4% -42.0%
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 6.6% 6.6% 7.7%
Called Up Share Capital 12.4% 12.4% 13.6%
Share Capital Allotted Called Up Paid 12.4% 12.4% 13.6%
Profit Loss Account Reserve -20.6% -20.6% -26.9%
Shareholder Funds 6.6% 6.6% 7.7%
Capital Employed - - -
Total Assets Less Current Liabilities 6.6% 6.6% 7.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Liquidity Ratio 0.3 0.3 0.5
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets -0.2 -0.2 -0.3
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Assets 367,985,647 367,985,647 261,147,475
Debt 343,735,572 343,735,572 241,071,833
Net Assets/Debt 24,250,075 24,250,075 20,075,642

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.

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
Confirmation statement made on 1 June 2025 with updates
Register inspection address has been changed from 24a Calthorpe Road Edgbaston Birmingham B15 1RP England to 57 Calthorpe Road Edgbaston Birmingham B15 1th
Director's details changed for Mr Steven Mark Hicks on 27 March 2025
Director's details changed for Mr Michael Howard Williams on 27 March 2025
Director's details changed for Mr Michael Howard Williams on 27 March 2025
Director's details changed for Mr Giles Hullah Cunningham on 27 March 2025
Director's details changed for Mrs Caroline Jane Ashton on 27 March 2025
Appointment of Mrs Helen Clare Trott as a secretary on 27 March 2025
Termination of appointment of Saalim Mahmood as a secretary on 27 March 2025
Appointment of Mr Saalim Mahmood as a secretary on 7 November 2024
Termination of appointment of Charlotte Birks as a secretary on 7 November 2024
Notification of a person with significant control statement
Confirmation statement made on 1 June 2024 with updates
Cessation of Al Rayan (Uk)Ltd as a person with significant control on 3 April 2024
Appointment of Mrs Catherine Ellen Lewis as a director on 1 July 2023
Termination of appointment of Malcolm James Brookes as a director on 31 December 2023
Appointment of Ms Charlotte Birks as a secretary on 5 October 2023
Termination of appointment of Giles Cunningham as a secretary on 5 October 2023
Confirmation statement made on 1 June 2023 with updates
Appointment of Mr Giles Cunningham as a secretary on 30 March 2023
Registered office address changed from , 44 Hans Crescent, London, SW1X 0LZ, England to 4 Stratford Place London W1C 1AT on 2 May 2023
Termination of appointment of Helene Yuk Hing Li as a secretary on 24 February 2023
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