Challenger banks
July 2025
1st in cohort
Aldermore Bank
July 2025 debenture analysis for Aldermore Bank. Challenger banks cohort, ranked 1st.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 206 | 250 | 417 | 632 | +34% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Aldermore Bank | 5.4 | £338k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 585 |
| Building construction | 15 |
| Specialist construction | 7 |
| Financial services | 7 |
| Wholesale trade | 4 |
Top Regions
| Region | Count |
|---|---|
| South East | 111 |
| London | 108 |
| North West | 98 |
| Midlands | 72 |
| Scotland | 67 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/07/2025 | 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 |
| 16/07/2025 | CHAPELRISE DEVELOPMENTS | 26.8 yrs | London | Real estate | Oct-2024, Trade Debtors: £73k, Debts: £5.9m, Net Assets: £9.3m, Staff: 3 |
| 03/07/2025 | SEMA LEASE UK LIMITED | 21.4 yrs | East of England | Rental & leasing | Mar-2025, Turnover: £17.4m, Trade Debtors: £476k, Debts: £12.9m |
| 14/07/2025 | COMPASSIONATE | 4.8 yrs | North East | Real estate | Oct-2025, Trade Debtors: £9k, Debts: £106k, Net Assets: £231k, Staff: 89, Est PBT: £-32k |
| 07/07/2025 | NS ESTATES (SOUTHERN) | 28.3 yrs | South East | Real estate | Mar-2025, Trade Debtors: £17k, Debts: £4.7m, Net Assets: £7.5m, Staff: 2 |
| 09/07/2025 | PURPLE PARSNIP | 22.1 yrs | Midlands | Real estate | Jun-2025, Net Assets: £4.1m, Staff: 4, Est PBT: £501k |
| 22/07/2025 | JAKMUR LTD | 8.3 yrs | South East | Real estate | Mar-2025, Net Assets: £668k, Est PBT: £-22k |
| 22/07/2025 | ORIEL LAND LIMITED | 7.8 yrs | South East | Real estate | Oct-2024, Trade Debtors: £4k, Debts: £3.5m, Net Assets: £1.2m, Staff: 1, Est PBT: £-30k |
| 21/07/2025 | SGK TRADING HOLDINGS LTD | 8.4 yrs | East Midlands | Real estate | Mar-2025, Net Assets: £1.9m, Staff: 1, Est PBT: £0k |
| 29/07/2025 | A&B ASSETS LTD | 6.9 yrs | North West | Real estate | Sep-2024, Net Assets: £1.2m, Staff: 2, Est PBT: £311k |