Challenger banks
November 2025
1st in cohort
Aldermore Bank
November 2025 debenture analysis for Aldermore Bank. Challenger banks cohort, ranked 1st.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 335 | 256 | 536 | 450 | -19% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Aldermore Bank | 5.4 | £338k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 395 |
| Building construction | 16 |
| Specialist construction | 6 |
| Financial services | 5 |
| Office & business support | 4 |
Top Regions
| Region | Count |
|---|---|
| South East | 95 |
| North West | 72 |
| London | 67 |
| Yorkshire / Humber | 43 |
| Scotland | 41 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 25/11/2025 | OGILVIE FLEET LIMITED | 46.8 yrs | Scotland | Rental & leasing | Jun-2025, Trade Debtors: £11.3m, Debts: £294.6m, Net Assets: £97.3m, Staff: 141 |
| 28/11/2025 | CHG-MERIDIAN UK LIMITED | 49.2 yrs | South East | Financial services | Dec-2024, Turnover: £77.7m, Trade Debtors: £17.5m, Debts: £145.5m |
| 25/11/2025 | LIQUID FLEET LIMITED | 20.4 yrs | Midlands | Rental & leasing | Dec-2024, Trade Debtors: £544k, Debts: £175k, Net Assets: £4.9m, Staff: 13 |
| 25/11/2025 | RCG COULSDON LIMITED | 1.8 yrs | London | Building construction | Mar-2025, Debts: £14.5m, Other debts: £6.4m, Net Assets: £-537k, Est PBT: £-602k |
| 08/11/2025 | ANGLE PROPERTY | 8.5 yrs | London | - | Oct-2024, Trade Debtors: £1k, Debts: £14.5m, Net Assets: £5.3m, Staff: 3 |
| 06/11/2025 | UMS FLOWELL HOLDINGS | 10.2 yrs | Scotland | Manufacturing (other) | Dec-2024, Turnover: £11.8m, Trade Debtors: £3.3m, Debts: £162k, Net Assets: £6.4m |
| 25/11/2025 | SEMA LEASE UK LIMITED | 21.8 yrs | East of England | Rental & leasing | Mar-2025, Turnover: £17.4m, Trade Debtors: £476k, Debts: £12.9m |
| 20/11/2025 | RESSA LIMITED | 5.1 yrs | South East | Real estate | Dec-2024, Net Assets: £302k, Staff: 1, Est PBT: £68k |
| 27/11/2025 | PACKE PROPERTY LIMITED | 1.8 yrs | London | Building construction | Mar-2025, Debts: £4.5m, Net Assets: £8.5m, Est PBT: £76k |
| 27/11/2025 | MUNDAY PROPERTIES LIMITED | 16 yrs | South East | Real estate | Dec-2024, Trade Debtors: £4k, Debts: £457k, Net Assets: £7.5m, Staff: 3 |