Challenger banks
February 2025
4th in cohort
Atom bank
February 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
February 2025 Debenture Activity
Year-over-year comparison of debenture registrations for February 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 13 | 41 | 48 | +15% |
Borrower Profile
Average borrower characteristics compared to cohort for February 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 9.8 | £411k |
| Cohort average | 6.2 | £475k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 7 |
| Building construction | 3 |
| Financial services | 2 |
| Wholesale trade | 2 |
| Office & business support | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| London | 4 |
| Scotland | 3 |
| North West | 3 |
| Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in February 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 20/02/2025 | WARRANT PROPERTIES LIMITED | 21.7 yrs | South East | Office & business support | Oct-2024, Turnover: £756k, Trade Debtors: £23k, Debts: £6.2m, Net Assets: £4.2m, Staff: 6, Est PBT: £-1.9m |
| 24/02/2025 | BRIDGE-IT ENTERPRISES LTD | 9.4 yrs | Yorkshire / Humber | Real estate | Sep-2024, Net Assets: £563k, Staff: 2, Est PBT: £254k |
| 14/02/2025 | CHURCH STREET CATERING LTD | 8.6 yrs | North West | Food & beverage services | Jan-2026, Debts: £70k, Net Assets: £332k, Staff: 35, Est PBT: £72k |
| 27/02/2025 | SYNERGI SEARCH & SELECT LIMITED | 23 yrs | South East | Office & business support | Dec-2024, Trade Debtors: £506k, Debts: £128k, Net Assets: £1.0m, Staff: 9 |
| 03/02/2025 | AL-RAFIQ PROPERTIES LIMITED | 11.6 yrs | Scotland | Financial services | Dec-2024, Trade Debtors: £3k, Debts: £4k, Net Assets: £594k, Est PBT: £77k |
| 07/02/2025 | REX PROPERTY DEVELOPMENTS LIMITED | 41.4 yrs | Scotland | Building construction | Mar-2025, Debts: £407k, Net Assets: £1.7m, Est PBT: £-367k |
| 04/02/2025 | ROWANFIELD ESTATES LTD | 22.5 yrs | London | Real estate | Mar-2024, Trade Debtors: £3k, Debts: £235k, Net Assets: £786k, Est PBT: £61k |
| 24/02/2025 | BLUE SAPPHIRE GROUP LTD | 8.2 yrs | London | Building construction | Jul-2024, Debts: £38k, Net Assets: £-155k, Staff: 1, Est PBT: £-38k |
| 14/02/2025 | MOSSOP MANAGEMENT LIMITED | 10.9 yrs | North West | Head offices & consultancy | Sep-2025, Trade Debtors: £8k, Debts: £923k, Net Assets: £88k, Staff: 2, Est PBT: £-104k |
| 14/02/2025 | CATALYST ENERGY LTD | 11.5 yrs | North West | Specialist construction | Aug-2024, Debts: £283k, Net Assets: £-3k, Staff: 7, Est PBT: £-34k |