Challenger banks
November 2025
3rd in cohort
Allica Bank
November 2025 debenture analysis for Allica Bank. Challenger banks cohort, ranked 3rd.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 76 | 88 | 154 | 116 | -33% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Allica Bank | 10.4 | £1.2m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 50 |
| Financial services | 10 |
| Retail trade | 8 |
| Wholesale & retail trade | 5 |
| Wholesale trade | 5 |
Top Regions
| Region | Count |
|---|---|
| South East | 26 |
| London | 18 |
| Midlands | 16 |
| North West | 13 |
| South West | 12 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 27/11/2025 | J.P. ARTHUR & SONS LIMITED | 86.5 yrs | Midlands | Wholesale & retail trade | Dec-2024, Turnover: £31.6m, Trade Debtors: £627k, Net Assets: £3.1m, Staff: 80 |
| 10/11/2025 | FISHER & DONALDSON (ST. | 63.6 yrs | Scotland | - | Mar-2025, Trade Debtors: £318k, Other debts: £450k, Net Assets: £2.8m, Staff: 146 |
| 13/11/2025 | COMPUTEAM LIMITED | 26.9 yrs | North West | IT programming / consulting | Dec-2024, Turnover: £11.6m, Trade Debtors: £1.8m, Debts: £71k, Other debts: £902k |
| 10/11/2025 | HASCO LIMITED | 22.5 yrs | South East | Real estate | Nov-2024, Debts: £3.0m, Net Assets: £7.8m, Staff: 3, Est PBT: £25k |
| 13/11/2025 | JMAIL ASSETS LIMITED | 18.7 yrs | Yorkshire / | Real estate | Mar-2025, Debts: £5.0m, Net Assets: £167k, Staff: 6, Est PBT: £-244k |
| 10/11/2025 | GENIUS PAYROLL LIMITED | 15 yrs | London | - | Mar-2025, Trade Debtors: £2.4m, Debts: £609k, Net Assets: £548k, Staff: 12 |
| 11/11/2025 | STANFIELD NURSING HOME | 22.5 yrs | North West | Residential care | Apr-2025, Trade Debtors: £58k, Net Assets: £443k, Staff: 79, Est PBT: £-200k |
| 20/11/2025 | PREMIUM QUALITY FOODS | 28.3 yrs | South East | Wholesale trade | Dec-2024, Net Assets: £6.5m, Staff: 16, Est PBT: £63k |
| 05/11/2025 | RED HOMES HEALTHCARE | 16.3 yrs | East of England | Residential care | Dec-2024, Trade Debtors: £76k, Net Assets: £80k, Staff: 64, Est PBT: £-1k |
| 05/11/2025 | RJC HOLDINGS LIMITED | 39.6 yrs | East of England | - | Mar-2025, Trade Debtors: £212k, Debts: £954k, Other debts: £150k, Net Assets: £3.6m |