Challenger banks
June 2025
6th in cohort
Atom bank
June 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 6th.
June 2025 Debenture Activity
Year-over-year comparison of debenture registrations for June 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 16 | 18 | 41 | 17 | -141% |
Borrower Profile
Average borrower characteristics compared to cohort for June 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 5 |
| Food & beverage services | 3 |
| Residential care | 3 |
| Building construction | 3 |
| Employment services | 1 |
Top Regions
| Region | Count |
|---|---|
| East Midlands | 4 |
| North West | 4 |
| London | 3 |
| South East | 2 |
| Midlands | 1 |
Notable New Debentures
Significant new debenture registrations in June 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 16/06/2025 | LLYSGWYN HOUSE LIMITED | 11.8 yrs | Wales | Residential care | Aug-2024, Debts: £752k, Net Assets: £773k, Staff: 46, Est PBT: £-609k |
| 10/06/2025 | S. HALPERN LTD | 22.1 yrs | North West | - | Jun-2025, Trade Debtors: £148k, Debts: £91k, Net Assets: £216k, Staff: 36 |
| 27/06/2025 | CROWN CARE MANCHESTER | 11 yrs | North West | Employment services | Jul-2024, Net Assets: £125k, Staff: 35, Est PBT: £72k |
| 27/06/2025 | PARK GROVE RESIDENTIAL | 22.5 yrs | North West | Residential care | Dec-2024, Trade Debtors: £1k, Net Assets: £96k, Staff: 31, Est PBT: £49k |
| 18/06/2025 | HOUSEL BAY LTD | 7.3 yrs | South East | Accommodation | Jun-2024, Net Assets: £693k, Staff: 25, Est PBT: £1.5m |
| 16/06/2025 | FIVE THIRDS DEVELOPMENTS | 2.4 yrs | East Midlands | Real estate | Jan-2025, Debts: £1.2m, Net Assets: £1000k, Staff: 2, Est PBT: £-141k |
| 03/06/2025 | AVONMATCH LIMITED | 34 yrs | London | Food & beverage services | Oct-2024, Net Assets: £2.6m |
| 02/06/2025 | C&M (NOTTM) LTD | 5.4 yrs | East Midlands | Food & beverage services | Feb-2025, Net Assets: £17k, Staff: 17, Est PBT: £14k |
| 05/06/2025 | OXYGEN PROPERTY PROJECTS | 11.4 yrs | East Midlands | Building construction | Jun-2025, Debts: £1.4m, Net Assets: £-54k, Staff: 1, Est PBT: £-185k |
| 05/06/2025 | BLUE VALE DEVELOPMENTS | 4.2 yrs | Midlands | Building construction | Mar-2025, Net Assets: £-295k, Est PBT: £-79k |