Challenger banks
August 2025
1st in cohort
Aldermore Bank
August 2025 debenture analysis for Aldermore Bank. Challenger banks cohort, ranked 1st.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 257 | 254 | 416 | 575 | +28% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Aldermore Bank | 5.4 | £338k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 518 |
| Building construction | 21 |
| Accommodation | 8 |
| Financial services | 6 |
| Rental & leasing | 5 |
Top Regions
| Region | Count |
|---|---|
| South East | 102 |
| North West | 84 |
| Scotland | 79 |
| London | 61 |
| Midlands | 59 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 26/08/2025 | CHG-MERIDIAN UK LIMITED | 49 yrs | South East | Financial services | Dec-2024, Turnover: £77.7m, Trade Debtors: £17.5m, Debts: £145.5m |
| 26/08/2025 | GALLIARD HOMES LIMITED | 38 yrs | South East | Building construction | Mar-2025, Trade Debtors: £2.2m, Debts: £7.7m, Net Assets: £-35.6m, Staff: 251 |
| 05/08/2025 | TRAILER RESOURCES LIMITED | 31.5 yrs | South East | Wholesale & retail trade | Mar-2025, Turnover: £19.2m, Trade Debtors: £2.1m, Debts: £25.3m, Net Assets: £8.0m |
| 04/08/2025 | ASHFIELD LAND | 36.2 yrs | South West | Real estate | Mar-2025, Trade Debtors: £96k, Net Assets: £4.1m |
| 01/08/2025 | SEMA LEASE UK LIMITED | 21.5 yrs | East of England | Rental & leasing | Mar-2025, Turnover: £17.4m, Trade Debtors: £476k, Debts: £12.9m |
| 06/08/2025 | BS HANDLING PROPERTY | 8.6 yrs | East Midlands | Real estate | Feb-2025, Turnover: £4.2m, Trade Debtors: £737k, Other debts: £2.3m |
| 15/08/2025 | J & M RESIDENTIAL LETTINGS | 17.3 yrs | North West | Real estate | Apr-2025, Debts: £5.0m, Other debts: £10k, Net Assets: £3.2m, Staff: 5, Est PBT: £48k |
| 13/08/2025 | CDLS PROPERTY | 2 yrs | LIMITED 4.4 South East | Real estate | Mar-2025, Debts: £7.6m, Net Assets: £1.3m, Est PBT: £-308k |
| 15/08/2025 | TWENTY THIRTY INVESTMENTS | 7.5 yrs | North West | Real estate | Dec-2024, Trade Debtors: £12k, Debts: £5.5m, Net Assets: £1.7m, Staff: 1 |
| 28/08/2025 | MANOR COTTAGE PROPERTIES | 7.3 yrs | South East | Real estate | Dec-2023, Debts: £27k, Net Assets: £3.6m, Est PBT: £51k |