Challenger banks
March 2025
5th in cohort
Atom bank
March 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 5th.
March 2025 Debenture Activity
Year-over-year comparison of debenture registrations for March 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 12 | 16 | 31 | 39 | +21% |
Borrower Profile
Average borrower characteristics compared to cohort for March 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 17 |
| Accommodation | 4 |
| Financial services | 4 |
| Residential care | 3 |
| Food & beverage services | 2 |
Top Regions
| Region | Count |
|---|---|
| North West | 7 |
| East Midlands | 6 |
| South East | 5 |
| London | 5 |
| Midlands | 5 |
Notable New Debentures
Significant new debenture registrations in March 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 04/03/2025 | FORESITE RECRUITMENT | 7 yrs | South East | Employment services | Mar-2025, Trade Debtors: £203k, Net Assets: £390k, Staff: 37, Est PBT: £-29k |
| 28/03/2025 | 3HS PROPERTIES LIMITED | 11.3 yrs | East Midlands | Accommodation | Aug-2024, Debts: £1.3m, Net Assets: £1.5m, Staff: 2, Est PBT: £-56k |
| 12/03/2025 | BRUN LEA CARE LTD | 22.3 yrs | East of England | - | Mar-2025, Trade Debtors: £18k, Debts: £492k, Net Assets: £452k, Staff: 26 |
| 25/03/2025 | COOKFELLAS LIMITED | 12.7 yrs | North East | Food & beverage services | Mar-2025, Debts: £208k, Net Assets: £213k, Staff: 25, Est PBT: £1k |
| 04/03/2025 | M HILLAS (PROPERTIES) | 24.3 yrs | Yorkshire / | Real estate | Apr-2025, Trade Debtors: £5k, Debts: £601k, Other debts: £1.6m, Net Assets: £1.9m |
| 03/03/2025 | WARWICK PROPERTY | 6.1 yrs | Midlands | Real estate | Dec-2024, Debts: £1.5m, Net Assets: £57k, Est PBT: £2k |
| 03/03/2025 | PIYA KITCHEN LTD | 5 yrs | South East | Food & beverage services | May-2025, Net Assets: £465k, Staff: 21, Est PBT: £120k |
| 31/03/2025 | ZIPEX (U.K.) LIMITED | 38.8 yrs | East Midlands | Apparel manufacturing | Jun-2025, Trade Debtors: £206k, Debts: £30k, Net Assets: £1.8m, Staff: 21 |
| 31/03/2025 | RELIANCE CLAIMS LIMITED | 16.6 yrs | North West | Building construction | Jul-2024, Trade Debtors: £19k, Debts: £206k, Other debts: £856k, Net Assets: £1.6m |
| 17/03/2025 | FIELD VIEW CARE HOME LTD | 0.9 yrs | Midlands | Residential care | Apr-2025, Net Assets: £-85k, Staff: 20, Est PBT: £0k |