Challenger banks
December 2025
4th in cohort
Atom bank
December 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 20 | 29 | 54 | 56 | +4% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 26 |
| Accommodation | 9 |
| Residential care | 4 |
| Financial services | 3 |
| Building construction | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 11 |
| London | 9 |
| Scotland | 9 |
| Midlands | 7 |
| North West | 4 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 19/12/2025 | SME ENVIRONMENTAL | 9.4 yrs | Yorkshire / | Financial services | Jan-2025, Trade Debtors: £7k, Debts: £1.9m, Net Assets: £7.6m, Est PBT: £-282k |
| 03/12/2025 | HILLTOP MANOR RESIDENTIAL | 26.3 yrs | North West | - | Mar-2025, Trade Debtors: £81k, Other debts: £20k, Net Assets: £98k, Staff: 59 |
| 15/12/2025 | SEYMOUR HOTELS LIMITED | 32.2 yrs | Midlands | Accommodation | Jan-2025, Trade Debtors: £3k, Net Assets: £1.9m, Staff: 53, Est PBT: £75k |
| 03/12/2025 | G. SIMMONS & SONS LTD. | 23.6 yrs | Midlands | Food manufacturing | Dec-2024, Trade Debtors: £144k, Net Assets: £763k, Staff: 39, Est PBT: £-188k |
| 12/12/2025 | SYNE HILLS CARE HOME | 20.5 yrs | East of England | Office & business support | Jul-2025, Trade Debtors: £2k, Net Assets: £135k, Staff: 37, Est PBT: £-109k |
| 15/12/2025 | BLUEBELL RESIDENTIAL HOME | 23 yrs | Yorkshire / | Residential care | Feb-2025, Trade Debtors: £1k, Debts: £469k, Net Assets: £1.6m, Staff: 37 |
| 05/12/2025 | BELMONT HOUSE (DEVON) | 25.7 yrs | South East | Accommodation | Apr-2025, Trade Debtors: £23k, Net Assets: £979k, Staff: 30, Est PBT: £117k |
| 08/12/2025 | ATHOLL HOUSE (SKYE) LTD | 4.4 yrs | Scotland | Accommodation | Jul-2025, Trade Debtors: £1k, Debts: £227k, Net Assets: £153k, Staff: 25, Est PBT: £98k |
| 04/12/2025 | R-H-P OUTREACH SERVICES | 11.5 yrs | London | Head offices & consultancy | May-2025, Net Assets: £379k, Staff: 21, Est PBT: £93k |
| 11/12/2025 | RUSSELL LANDSCAPING LTD | 16 yrs | Scotland | Property & facilities services | Dec-2024, Trade Debtors: £280k, Debts: £264k, Net Assets: £176k, Staff: 20 |