Challenger banks
January 2026
1st in cohort
Aldermore Bank
January 2026 debenture analysis for Aldermore Bank. Challenger banks cohort, ranked 1st.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 229 | 334 | 522 | 432 | -90 | -17% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Aldermore Bank | 5.7 | £326k |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 391 |
| Building construction | 16 |
| Specialist construction | 7 |
| Financial services | 5 |
| IT programming / consulting | 3 |
Top Regions
| Region | Count |
|---|---|
| North West | 77 |
| South East | 62 |
| Scotland | 57 |
| London | 49 |
| Midlands | 39 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 13/01/2026 | REVIVAL SOLUTIONS GROUP | 20.9 yrs | South West | Head offices & consultancy | Jun-2025, Turnover: £86.8m, Trade Debtors: £5.6m, Debts: £14.6m |
| 13/01/2026 | HEXAGON LEASING LIMITED | 24.9 yrs | Midlands | Wholesale & retail trade | Jan-2025, Turnover: £29.6m, Trade Debtors: £2.2m, Debts: £34.1m, Net Assets: £1.6m |
| 13/01/2026 | SSP CORPORATION LIMITED | 7.3 yrs | South East | Real estate | Sep-2024, Trade Debtors: £41k, Debts: £16.8m, Net Assets: £3.5m, Staff: 4 |
| 28/01/2026 | CHEYNE RESIDENTIAL LIMITED | 4.2 yrs | South East | Real estate | Nov-2024, Trade Debtors: £26k, Debts: £13.5m, Net Assets: £12.7m, Staff: 4 |
| 21/01/2026 | A&I PROPERTY LTD | 10 yrs | North West | Real estate | Jun-2025, Net Assets: £6.2m, Staff: 2, Est PBT: £293k |
| 13/01/2026 | FLEET ASSESS LTD | 10.5 yrs | North West | Repair / installation | Aug-2024, Trade Debtors: £599k, Debts: £3.3m, Net Assets: £1.4m, Staff: 14 |
| 30/01/2026 | MANOR COTTAGE PROPERTIES | 7.8 yrs | South East | Real estate | Dec-2023, Debts: £27k, Net Assets: £3.6m, Est PBT: £51k |
| 27/01/2026 | LOVE FINANCE LIMITED | 13.6 yrs | Midlands | IT programming / consulting | Dec-2024, Turnover: £9.3m, Trade Debtors: £62k, Debts: £6.1m, Net Assets: £1.6m |
| 30/01/2026 | JAREN TRADING LIMITED | 4.9 yrs | London | Real estate | Mar-2025, Net Assets: £3.2m, Staff: 4, Est PBT: £-190k |
| 22/01/2026 | MAZEL PROPERTIES LIMITED | 10.7 yrs | North West | Real estate | Apr-2025, Other debts: £4.5m, Net Assets: £1.8m, Staff: 1, Est PBT: £83k |