Challenger banks
April 2025
4th in cohort
Atom bank
April 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
April 2025 Debenture Activity
Year-over-year comparison of debenture registrations for April 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 8 | 15 | 28 | 54 | +48% |
Borrower Profile
Average borrower characteristics compared to cohort for April 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 23 |
| Residential care | 10 |
| Building construction | 4 |
| Financial services | 3 |
| Food & beverage services | 2 |
Top Regions
| Region | Count |
|---|---|
| North West | 13 |
| South East | 10 |
| East Midlands | 6 |
| Midlands | 6 |
| Wales | 4 |
Notable New Debentures
Significant new debenture registrations in April 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/04/2025 | CEDAR LAWN ROMSEY LIMITED | 1.2 yrs | London | Residential care | Apr-2025, Net Assets: £154k, Staff: 56, Est PBT: £0k |
| 18/04/2025 | SOUTH EAST SOLAR AND | 10.4 yrs | South East | Specialist construction | Apr-2025, Trade Debtors: £246k, Debts: £227k, Other debts: £89k, Net Assets: £614k |
| 09/04/2025 | PHARMCHEM INVESTMENTS | 15.6 yrs | South East | Real estate | May-2025, Trade Debtors: £0k, Debts: £844k, Net Assets: £3.5m, Staff: 4, Est PBT: £2k |
| 07/04/2025 | BRAEHILL LIMITED | 32.5 yrs | Scotland | Residential care | Apr-2024, Trade Debtors: £32k, Net Assets: £2.4m, Staff: 34, Est PBT: £276k |
| 08/04/2025 | WHITES PROPERTIES LIMITED | 13.3 yrs | Midlands | Real estate | Dec-2024, Debts: £2.5m, Net Assets: £918k, Est PBT: £-89k |
| 02/04/2025 | OASIS PROPERTY GROUP LTD | 8.8 yrs | North West | Building construction | Jun-2024, Debts: £732k, Net Assets: £3.2m, Staff: 2, Est PBT: £25k |
| 14/04/2025 | QUALITAS CARE LIMITED | 19.7 yrs | North West | Residential care | Dec-2024, Trade Debtors: £14k, Net Assets: £1.3m, Staff: 32, Est PBT: £307k |
| 23/04/2025 | ANN TUPLIN CARE HOMES LTD | 9.6 yrs | Yorkshire / | Residential care | Mar-2025, Net Assets: £96k, Staff: 25, Est PBT: £40k |
| 03/04/2025 | COOKFELLAS LIMITED | 12.7 yrs | North East | Food & beverage services | Mar-2025, Debts: £208k, Net Assets: £213k, Staff: 25, Est PBT: £1k |
| 14/04/2025 | ROBIN HOOD THAI | 11.9 yrs | South East | Food & beverage services | Aug-2024, Net Assets: £58k, Staff: 23, Est PBT: £-17k |