Challenger banks
January 2025
5th in cohort
Atom bank
January 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 5th.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 6 | 4 | 18 | 25 | +28% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 8.5 | £363k |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 10 |
| Residential care | 4 |
| Building construction | 2 |
| Legal & accounting | 1 |
| Land transport & logistics | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| London | 4 |
| Scotland | 4 |
| North West | 3 |
| Yorkshire / Humber | 3 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 03/01/2025 | NICHOLSON (NO. 3) LIMITED | 7.2 yrs | North West | Real estate | Dec-2024, Debts: £6.5m, Net Assets: £3.6m, Est PBT: £49k |
| 23/01/2025 | NICHOLSON (NO. 4) LIMITED | 1.5 yrs | North West | Real estate | Dec-2024, Debts: £2.6m, Net Assets: £4k, Est PBT: £5k |
| 17/01/2025 | BESCO | 78 yrs | PROPERTY LIMITED 10.7 Yorkshire / Humber | Real estate | May-2025, Debts: £1.8m, Net Assets: £1.6m, Staff: 1, Est PBT: £67k |
| 02/01/2025 | DAIRY LANE (ST. MICHAELS) LIMITED | 11.2 yrs | North East | Residential care | Dec-2024, Trade Debtors: £12k, Net Assets: £1.3m, Staff: 26, Est PBT: £-97k |
| 30/01/2025 | PARK HOUSE CARE (UK) LTD | 18.6 yrs | South East | Residential care | Jan-2025, Trade Debtors: £5k, Net Assets: £116k, Staff: 22, Est PBT: £94k |
| 02/01/2025 | SERENE VALLEY CARE LTD | 0.7 yrs | Scotland | Residential care | Dec-2024, Net Assets: £-37k, Staff: 2, Est PBT: £0k |
| 24/01/2025 | KERMAN & CO. LIMITED | 31 yrs | London | Legal & accounting | Apr-2025, Net Assets: £94k, Staff: 19, Est PBT: £-6k |
| 21/01/2025 | WONDER YEARS LIMITED | 25.3 yrs | South East | Social work | Mar-2025, Trade Debtors: £7k, Debts: £421k, Net Assets: £616k, Staff: 17, Est PBT: £-1k |
| 31/01/2025 | MORCOTT DEVELOPMENTS LIMITED | 12 yrs | East Midlands | Personal services | Jan-2025, Debts: £16k, Net Assets: £757k, Staff: 2, Est PBT: £26k |
| 22/01/2025 | CJC KENT LIMITED | 13.4 yrs | South East | Retail trade | Aug-2024, Debts: £761k, Net Assets: £446k, Staff: 13, Est PBT: £30k |