Challenger banks
July 2025
5th in cohort
Atom bank
July 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 5th.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 16 | 12 | 25 | 29 | +14% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 13 |
| Food & beverage services | 4 |
| Building construction | 2 |
| Financial services | 2 |
| Unknown | 2 |
Top Regions
| Region | Count |
|---|---|
| London | 6 |
| South East | 5 |
| Yorkshire / Humber | 4 |
| East Midlands | 3 |
| East of England | 3 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 21/07/2025 | SAGE PUBS LIMITED | 2.2 yrs | Yorkshire / | Food & beverage services | Mar-2025, Turnover: £14.3m, Net Assets: £612k, Staff: 299, Est PBT: £1.6m |
| 21/07/2025 | ROSEACRE PUB COMPANY LTD | 11.1 yrs | East Midlands | Food & beverage services | Mar-2025, Turnover: £14.3m, Net Assets: £2.5m, Staff: 299, Est PBT: £1.7m |
| 18/07/2025 | CTM RESTAURANTS LIMITED | 3.5 yrs | South East | Food & beverage services | Mar-2025, Turnover: £9.6m, Trade Debtors: £23k, Debts: £3.6m, Net Assets: £161k |
| 01/07/2025 | TRIANG DEVELOPMENTS | 5.1 yrs | Wales | - | Mar-2025, Trade Debtors: £25k, Debts: £166k, Net Assets: £-1.1m, Staff: 7 |
| 08/07/2025 | NICHOLSON (NO. 3) LIMITED | 7.7 yrs | North West | Real estate | Dec-2024, Debts: £6.5m, Net Assets: £3.6m, Est PBT: £49k |
| 24/07/2025 | BRIDGE-IT ENTERPRISES LTD | 9.9 yrs | Yorkshire / | Real estate | Sep-2024, Net Assets: £563k, Staff: 2, Est PBT: £254k |
| 21/07/2025 | CROWN COURT HOTEL | 55.3 yrs | London | Accommodation | Dec-2024, Trade Debtors: £29k, Net Assets: £2.7m, Staff: 15, Est PBT: £282k |
| 23/07/2025 | HR HOMES LIMITED | 12.7 yrs | East of England | Real estate | Nov-2024, Trade Debtors: £5k, Debts: £2.1m, Net Assets: £236k, Staff: 3, Est PBT: £228k |
| 10/07/2025 | WOODFORD ESTATES LIMITED | 5.6 yrs | London | Real estate | Dec-2024, Net Assets: £-77k, Est PBT: £-64k |
| 23/07/2025 | VALLEY ESTATE HOLDINGS | 4.4 yrs | London | Real estate | Mar-2024, Debts: £1.5m, Net Assets: £0k, Est PBT: £34k |