Challenger banks
May 2025
4th in cohort
Atom bank
May 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
May 2025 Debenture Activity
Year-over-year comparison of debenture registrations for May 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 20 | 47 | 32 | -47% |
Borrower Profile
Average borrower characteristics compared to cohort for May 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 16 |
| Financial services | 3 |
| Food & beverage services | 2 |
| Office & business support | 2 |
| Building construction | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 6 |
| South East | 5 |
| Scotland | 4 |
| Midlands | 4 |
| South West | 3 |
Notable New Debentures
Significant new debenture registrations in May 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 14/05/2025 | DONEWELL LIMITED | 1 yrs | East of England | Accommodation | Nov-2025, Net Assets: £6.0m, Est PBT: £0k |
| 12/05/2025 | THE WHITE HOUSE (ST | 3.2 yrs | Scotland | Personal services | Nov-2024, Debts: £1.4m, Net Assets: £-339k, Staff: 1 |
| 23/05/2025 | AGHA LTD | 2.9 yrs | North West | Real estate | Jul-2024, Debts: £1.8m, Net Assets: £-234k, Est PBT: £-214k |
| 19/05/2025 | T C DEVELOPMENTS | 7.7 yrs | North East | - | Jan-2025, Trade Debtors: £6k, Debts: £625k, Net Assets: £1.3m, Staff: 2 |
| 19/05/2025 | BEAUFORD CHELMSFORD LTD | 4 yrs | Midlands | Real estate | May-2025, Net Assets: £-26k, Staff: 3, Est PBT: £-228k |
| 02/05/2025 | WILLOW WAY ONE LTD | 2.9 yrs | North East | Building construction | Mar-2025, Trade Debtors: £13k, Net Assets: £158k, Est PBT: £238k |
| 21/05/2025 | MILES BETTER GRAB HIRE LTD | 8.3 yrs | Midlands | Office & business support | Jan-2025, Trade Debtors: £474k, Debts: £435k, Net Assets: £702k, Staff: 3 |
| 15/05/2025 | RS LEISURE SCOT LTD | 4.9 yrs | Scotland | Food & beverage services | Jun-2024, Net Assets: £42k, Staff: 10, Est PBT: £31k |
| 20/05/2025 | LRG GROUP LIMITED | 35.5 yrs | South East | - | Apr-2025, Trade Debtors: £2k, Debts: £148k, Other debts: £7k, Net Assets: £816k |
| 27/05/2025 | ELMTON SERVICES LIMITED | 11.6 yrs | Yorkshire / | Specialist construction | Oct-2025, Trade Debtors: £110k, Debts: £5k, Net Assets: £439k, Staff: 7, Est PBT: £41k |