Challenger banks
February 2026
4th in cohort
Atom bank
February 2026 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
February 2026 Debenture Activity
Year-over-year comparison of debenture registrations for February 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 9 | 23 | 23 | 30 | +7 | +30% |
Borrower Profile
Average borrower characteristics compared to cohort for February 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 8.8 | £493k |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 18 |
| Residential care | 3 |
| Building construction | 2 |
| Food & beverage services | 2 |
| Human health | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 10 |
| London | 4 |
| Scotland | 4 |
| Yorkshire / Humber | 3 |
| Wales | 3 |
Notable New Debentures
Significant new debenture registrations in February 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 04/02/2026 | ANN PHYSIOCARE LIMITED | 14 yrs | Wales | - | Feb-2025, Trade Debtors: £14k, Debts: £473k, Net Assets: £175k, Staff: 64 |
| 27/02/2026 | ELSWICK DEVELOPMENTS | 8.8 yrs | London | Personal services | Jul-2025, Net Assets: £1.9m, Staff: 1, Est PBT: £590k |
| 06/02/2026 | BRIDGE-IT ENTERPRISES LTD | 10.4 yrs | Yorkshire / | Real estate | Sep-2024, Net Assets: £563k, Staff: 2, Est PBT: £254k |
| 19/02/2026 | ITALIAN DINING LTD | 14.7 yrs | North West | Food & beverage services | Jun-2024, Net Assets: £175k, Staff: 30, Est PBT: £-8k |
| 23/02/2026 | BIG BOX PROPERTY GROUP | 5.1 yrs | South East | Building construction | Mar-2025, Net Assets: £-467k, Staff: 1 |
| 11/02/2026 | LBF PROPERTIES LIMITED | 5.3 yrs | South East | Real estate | Mar-2025, Net Assets: £-26k, Staff: 2, Est PBT: £-33k |
| 27/02/2026 | JUPITER VENTURES LIMITED | 24.6 yrs | South West | Real estate | Nov-2024, Net Assets: £1.1m, Staff: 2, Est PBT: £-33k |
| 13/02/2026 | PARK LANE BUSINESS PARK | 2.9 yrs | South East | Real estate | Mar-2025, Net Assets: £4k, Est PBT: £46k |
| 09/02/2026 | TM BUSINESS VENTURES LTD | 4.4 yrs | Wales | Food & beverage services | Dec-2024, Net Assets: £-32k, Staff: 8, Est PBT: £6k |
| 06/02/2026 | JAG PROPERTY LTD | 9.5 yrs | Scotland | Real estate | Jul-2025, Net Assets: £20k, Staff: 1, Est PBT: £20k |