Challenger banks
January 2025
3rd in cohort
Allica Bank
January 2025 debenture analysis for Allica Bank. Challenger banks cohort, ranked 3rd.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 41 | 61 | 92 | 84 | -10% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Allica Bank | 10.5 | £478k |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 32 |
| Retail trade | 6 |
| Financial services | 6 |
| Food & beverage services | 6 |
| Specialist construction | 5 |
Top Regions
| Region | Count |
|---|---|
| South East | 19 |
| Yorkshire / Humber | 12 |
| London | 10 |
| North West | 10 |
| Midlands | 10 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/01/2025 | JSM COMPANY GROUP LTD | 9.6 yrs | North West | Real estate | Jul-2024, Net Assets: £10.3m, Est PBT: £2.0m |
| 06/01/2025 | 1ST LOCATE (UK) LIMITED | 25.9 yrs | Yorkshire / Humber | Information services | Apr-2025, Turnover: £17.7m, Trade Debtors: £2.0m, Debts: £3.1m, Net Assets: £4.2m, Staff: 261, Est PBT: £884k |
| 08/01/2025 | SUMMERCARE LIMITED | 27 yrs | South East | Residential care | Aug-2024, Trade Debtors: £65k, Debts: £907k, Other debts: £500k, Net Assets: £1.2m, Staff: 98, Est PBT: £-32k |
| 03/01/2025 | WAKLIN LIMITED | 20.8 yrs | North West | Retail trade | Dec-2024, Net Assets: £688k, Staff: 63, Est PBT: £-512k |
| 06/01/2025 | THE DIRECT CO GROUP LIMITED | 7.8 yrs | South East | Wholesale trade | Mar-2025, Trade Debtors: £156k, Debts: £345k, Net Assets: £710k, Staff: 59, Est PBT: £86k |
| 27/01/2025 | THG | 4 yrs | LIMITED 7.6 Midlands | Accommodation | Sep-2024, Trade Debtors: £198k, Debts: £1.0m, Net Assets: £3.8m, Staff: 24, Est PBT: £1.7m |
| 24/01/2025 | GREENLAND SEEDS LIMITED | 10 yrs | Yorkshire / Humber | Wholesale trade | Jan-2025, Trade Debtors: £737k, Net Assets: £2.1m, Staff: 20, Est PBT: £165k |
| 28/01/2025 | LUKE HOLDINGS LIMITED | 7.6 yrs | Yorkshire / Humber | Real estate | Jan-2025, Net Assets: £-468k, Est PBT: £-110k |
| 29/01/2025 | BRAMLEYS GREENGROCERS LIMITED | 17 yrs | South West | Office & business support | Mar-2025, Trade Debtors: £724k, Debts: £1.7m, Net Assets: £1.1m, Staff: 31, Est PBT: £228k |
| 27/01/2025 | BLUE SUNRISE CARE LIMITED | 9 yrs | South West | Residential care | Feb-2025, Trade Debtors: £30k, Debts: £13k, Net Assets: £108k, Staff: 28, Est PBT: £-15k |