Challenger banks
January 2025
1st in cohort
Aldermore Bank
January 2025 debenture analysis for Aldermore Bank. Challenger banks cohort, ranked 1st.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 102 | 229 | 334 | 522 | +36% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Aldermore Bank | 5.4 | £385k |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 469 |
| Building construction | 17 |
| Financial services | 9 |
| Unknown | 7 |
| Specialist construction | 4 |
Top Regions
| Region | Count |
|---|---|
| South East | 97 |
| North West | 80 |
| Midlands | 66 |
| London | 62 |
| Scotland | 44 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 24/01/2025 | CHG-MERIDIAN UK LIMITED | 48.4 yrs | South East | Financial services | Dec-2024, Turnover: £77.7m, Trade Debtors: £17.5m, Debts: £145.5m, Net Assets: £37.5m, Staff: 56, Est PBT: £5.4m |
| 29/01/2025 | L. LYNCH (PLANT HIRE & HAULAGE) LIMITED | 31.5 yrs | South East | Specialist construction | Feb-2025, Turnover: £112.2m, Trade Debtors: £14.5m, Debts: £118.2m, Net Assets: £54.3m, Staff: 389, Est PBT: £12.1m |
| 27/01/2025 | AQUAMARINE HOMES LIMITED | 3 yrs | South East | Real estate | Mar-2025, Debts: £16.8m, Net Assets: £14.4m, Staff: 5, Est PBT: £39k |
| 13/01/2025 | KENSINGTON INVESTMENTS (U.K.) LTD | 7.9 yrs | South East | Real estate | Feb-2025, Debts: £4.6m, Net Assets: £6.7m, Staff: 2, Est PBT: £45k |
| 10/01/2025 | FORDINGHALL LTD | 21.5 yrs | North East | Real estate | Jun-2025, Net Assets: £6.2m, Staff: 12, Est PBT: £362k |
| 30/01/2025 | LJW PROPERTY LTD | 6 yrs | East of England | Real estate | Mar-2025, Debts: £5.1m, Net Assets: £1.8m, Staff: 2, Est PBT: £-2k |
| 14/01/2025 | ORCHARD PROPERTY INVESTMENTS LIMITED | 17.8 yrs | South East | Real estate | Apr-2025, Net Assets: £695k, Staff: 1, Est PBT: £79k |
| 21/01/2025 | MAZEL PROPERTIES LIMITED | 9.7 yrs | North West | Real estate | Apr-2025, Other debts: £4.5m, Net Assets: £1.8m, Staff: 1, Est PBT: £83k |
| 31/01/2025 | KEWAL PROPERTIES LTD | 0.6 yrs | London | Real estate | Mar-2025, Debts: £729k, Net Assets: £5.1m, Staff: 2, Est PBT: £-77k |
| 06/01/2025 | PARKVIEW MIDLANDS HOMES LTD | 7.2 yrs | Midlands | Real estate | Apr-2025, Debts: £3.4m, Net Assets: £1.0m, Staff: 2, Est PBT: £44k |