Challenger banks
January 2026
4th in cohort
Atom bank
January 2026 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 4 | 18 | 25 | 45 | +20 | +80% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 8.8 | £493k |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 17 |
| Residential care | 9 |
| Building construction | 5 |
| Human health | 3 |
| Financial services | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 10 |
| Yorkshire / Humber | 10 |
| London | 7 |
| Scotland | 4 |
| Midlands | 4 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 20/01/2026 | PURPLE PROPERTIES | 8.7 yrs | South East | Real estate | May-2025, Trade Debtors: £42k, Debts: £3.4m, Net Assets: £7.7m, Staff: 2 |
| 26/01/2026 | BORDER OAK INVESTMENTS | 2.3 yrs | South East | Financial services | Mar-2025, Net Assets: £283k, Staff: 4, Est PBT: £247k |
| 02/01/2026 | VISTA CARE SERVICES LTD. | 6.9 yrs | Yorkshire / | Residential care | Feb-2025, Trade Debtors: £225k, Debts: £1k, Net Assets: £-426k, Staff: 39 |
| 19/01/2026 | MLM (UK) LIMITED | 17.5 yrs | Yorkshire / | Building construction | Mar-2025, Debts: £1.3m, Net Assets: £2.9m, Est PBT: £-69k |
| 14/01/2026 | KIRKELLA MANSIONS LIMITED | 33.8 yrs | Yorkshire / | Residential care | Mar-2025, Trade Debtors: £61k, Debts: £188k, Net Assets: £822k, Staff: 29 |
| 26/01/2026 | THE HEATHERS RESIDENTIAL | 20.1 yrs | London | Residential care | Mar-2025, Turnover: £922k, Trade Debtors: £34k, Debts: £23k, Net Assets: £1.1m |
| 20/01/2026 | TENLAND BOURNEMOUTH | 2.8 yrs | London | Real estate | Mar-2025, Net Assets: £175k, Est PBT: £160k |
| 28/01/2026 | DAVACK LIMITED | 18.5 yrs | South West | Residential care | Jul-2025, Trade Debtors: £0k, Debts: £8k, Net Assets: £78k, Staff: 25, Est PBT: £90k |
| 30/01/2026 | THE RANDOLPH HOTEL | 10.5 yrs | East of England | Accommodation | Jun-2025, Trade Debtors: £1k, Debts: £16k, Net Assets: £32k, Staff: 22 |
| 17/01/2026 | SCM CAPITAL LIMITED | 4.7 yrs | South East | Real estate | May-2025, Trade Debtors: £2k, Debts: £1.8m, Net Assets: £552k, Staff: 1, Est PBT: £-35k |