Challenger banks
December 2025
3rd in cohort
Allica Bank
December 2025 debenture analysis for Allica Bank. Challenger banks cohort, ranked 3rd.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 98 | 123 | 152 | 172 | +12% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Allica Bank | 10.4 | £1.2m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 73 |
| Food & beverage services | 12 |
| Financial services | 10 |
| Accommodation | 9 |
| Wholesale & retail trade | 5 |
Top Regions
| Region | Count |
|---|---|
| South East | 29 |
| London | 27 |
| Midlands | 24 |
| South West | 20 |
| North West | 17 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 22/12/2025 | GALLIPOLI CAFE LIMITED | 27.8 yrs | London | - | Feb-2025, Trade Debtors: £53k, Debts: £14.7m, Net Assets: £8.0m, Staff: 6 |
| 17/12/2025 | 1ST LOCATE (UK) LIMITED | 26.9 yrs | Yorkshire / | Information services | Apr-2025, Turnover: £17.7m, Trade Debtors: £2.0m, Debts: £3.1m, Net Assets: £4.2m |
| 15/12/2025 | BALFOUR HOSPITALITY | 12.1 yrs | South East | Office & business support | Dec-2024, Turnover: £8.7m, Trade Debtors: £454k, Debts: £4.1m, Other debts: £1.0m |
| 23/12/2025 | THORPE INTERIOR GROUP | 10.5 yrs | East Midlands | Head offices & consultancy | Oct-2024, Turnover: £15.9m, Trade Debtors: £4.2m, Debts: £581k, Net Assets: £6.9m |
| 15/12/2025 | UTS ENGINEERING LIMITED | 24.7 yrs | Midlands | - | Mar-2025, Turnover: £18.4m, Trade Debtors: £4.1m, Debts: £2.7m, Net Assets: £11.4m |
| 23/12/2025 | THORPES JOINERY LIMITED | 29.2 yrs | East Midlands | Furniture manufacturing | Oct-2024, Turnover: £14.2m, Trade Debtors: £3.4m, Debts: £366k, Net Assets: £2.8m |
| 02/12/2025 | HARTE GROUP HOLDINGS | 9.4 yrs | Yorkshire / | Head offices & consultancy | Mar-2025, Turnover: £12.8m, Trade Debtors: £1.7m, Debts: £89k, Net Assets: £8.4m |
| 02/12/2025 | HARTE WOODWORKING | 52 yrs | Yorkshire / | Furniture manufacturing | Mar-2025, Turnover: £12.8m, Trade Debtors: £1.7m, Debts: £89k, Net Assets: £4.7m |
| 09/12/2025 | DAVIS HUGHES HOLDINGS | 3.9 yrs | Yorkshire / | Real estate | Jul-2025, Debts: £8.3m, Net Assets: £4.3m, Staff: 1, Est PBT: £5.3m |
| 10/12/2025 | 365 CARE HOMES LIMITED | 11.2 yrs | East of England | Wholesale & retail trade | Mar-2025, Net Assets: £1.8m, Staff: 96, Est PBT: £521k |