Challenger banks
August 2025
4th in cohort
Atom bank
August 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 14 | 34 | 35 | +3% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 18 |
| Building construction | 4 |
| Education | 3 |
| Personal services | 2 |
| Furniture manufacturing | 1 |
Top Regions
| Region | Count |
|---|---|
| Scotland | 9 |
| South East | 6 |
| London | 5 |
| Yorkshire / Humber | 4 |
| Northern Ireland | 3 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 12/08/2025 | FENHAM PROPERTIES LIMITED | 12.2 yrs | North East | Real estate | Mar-2024, Trade Debtors: £42k, Debts: £3.8m, Net Assets: £971k, Staff: 11 |
| 22/08/2025 | CUCUMBER RECRUITMENT | 7.6 yrs | North West | Employment services | Mar-2025, Trade Debtors: £806k, Debts: £328k, Net Assets: £83k, Staff: 21 |
| 04/08/2025 | INSTYLE KITCHEN & | 13.4 yrs | Scotland | - | Mar-2025, Trade Debtors: £140k, Debts: £134k, Net Assets: £-51k, Staff: 16 |
| 04/08/2025 | INSTYLE ALL TRADES LIMITED | 7.2 yrs | Scotland | Building construction | Mar-2025, Trade Debtors: £138k, Debts: £142k, Net Assets: £262k, Staff: 15 |
| 20/08/2025 | PREM KILMAURS LIMITED | 10.5 yrs | Scotland | Retail trade | May-2025, Net Assets: £46k, Staff: 15, Est PBT: £16k |
| 12/08/2025 | MORCOTT DEVELOPMENTS | 12.5 yrs | East Midlands | Personal services | Jan-2025, Debts: £16k, Net Assets: £757k, Staff: 2, Est PBT: £26k |
| 07/08/2025 | CRAGGANTOUL LTD | 7.1 yrs | Scotland | Accommodation | Sep-2024, Trade Debtors: £81k, Debts: £597k, Net Assets: £810k, Staff: 1, Est PBT: £137k |
| 20/08/2025 | RJR MURDOCH LIMITED | 3.9 yrs | South East | Food & beverage services | Sep-2024, Net Assets: £-5k, Staff: 12, Est PBT: £-16k |
| 13/08/2025 | TEESSSIDE PROPERTY | 5.1 yrs | North East | Real estate | Jul-2025, Net Assets: £50k, Staff: 1 |
| 11/08/2025 | FIVE THIRDS LIVING LIMITED | 5.2 yrs | South East | Real estate | Jun-2024, Debts: £901k, Net Assets: £84k, Staff: 2, Est PBT: £-2k |