Challenger banks
March 2026
5th in cohort
Atom bank
March 2026 debenture analysis for Atom bank. Challenger banks cohort, ranked 5th.
March 2026 Debenture Activity
Year-over-year comparison of debenture registrations for March 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 29 | 72 | 87 | 114 | +27 | +31% |
Borrower Profile
Average borrower characteristics compared to cohort for March 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 8.8 | £493k |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 25 |
| Building construction | 4 |
| Residential care | 3 |
| Human health | 2 |
| Unknown | 1 |
Top Regions
| Region | Count |
|---|---|
| London | 7 |
| Midlands | 6 |
| South East | 5 |
| East of England | 5 |
| South West | 4 |
Notable New Debentures
Significant new debenture registrations in March 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 19/03/2026 | STORM BUILDING LIMITED | 17.6 yrs | London | Building construction | Mar-2025, Turnover: £13.5m, Trade Debtors: £637k, Debts: £496k, Net Assets: £1.1m |
| 02/03/2026 | 50-51 PROPERTIES LIMITED | 18.1 yrs | London | Real estate | Mar-2025, Trade Debtors: £32k, Debts: £2.1m, Net Assets: £4.7m, Staff: 2 |
| 16/03/2026 | DARROCH NURSING HOME | 22.4 yrs | Scotland | Human health | Jan-2025, Trade Debtors: £108k, Debts: £199k, Net Assets: £882k, Staff: 62 |
| 09/03/2026 | SALORIA INVESTMENTS | 28.5 yrs | London | Real estate | Jul-2024, Trade Debtors: £8k, Debts: £3.2m, Net Assets: £3.4m, Staff: 1, Est PBT: £29k |
| 16/03/2026 | ALLEGRO ESTATES LIMITED | 1.7 yrs | London | Real estate | Jun-2025, Trade Debtors: £4k, Debts: £4.2m, Net Assets: £15k, Est PBT: £19k |
| 23/03/2026 | ESL COMMERCIAL LIMITED | 31.4 yrs | Wales | Building construction | Dec-2024, Trade Debtors: £89k, Debts: £3.0m, Net Assets: £4.0m, Staff: 1 |
| 26/03/2026 | TS NC1 LTD | 2.1 yrs | North West | Real estate | Feb-2025, Net Assets: £13k, Est PBT: £0k |
| 12/03/2026 | SIDHAM TRADING LIMITED | 23.9 yrs | East of England | Real estate | Mar-2025, Trade Debtors: £46k, Debts: £1.1m, Net Assets: £2.6m, Staff: 2 |
| 16/03/2026 | MELROSE COURT REST HOME | 20.8 yrs | North West | Human health | Jun-2025, Debts: £197k, Net Assets: £102k, Staff: 28, Est PBT: £-36k |
| 04/03/2026 | SOLWAY HOUSE LIMITED | 24 yrs | South East | Residential care | Mar-2025, Trade Debtors: £11k, Debts: £37k, Net Assets: £3k, Staff: 27, Est PBT: £19k |