Challenger banks
November 2025
4th in cohort
Atom bank
November 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 4th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 21 | 38 | 42 | +10% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 21 |
| Retail trade | 4 |
| Building construction | 4 |
| Residential care | 3 |
| Financial services | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 10 |
| Scotland | 5 |
| North West | 5 |
| London | 5 |
| Wales | 4 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 28/11/2025 | VAKK PROPERTIES LTD | 1.8 yrs | East Midlands | Building construction | Mar-2025, Trade Debtors: £14k, Debts: £2.8m, Net Assets: £32k, Staff: 1, Est PBT: £36k |
| 06/11/2025 | KT1 INVESTMENTS LTD | 1.4 yrs | South East | Real estate | Nov-2025, Trade Debtors: £9k, Debts: £1.0m, Net Assets: £41k, Est PBT: £35k |
| 28/11/2025 | HALE PLACE CARE HOMES | 21.1 yrs | South East | Residential care | Mar-2025, Debts: £146k, Net Assets: £21k, Staff: 37, Est PBT: £24k |
| 06/11/2025 | KNOWLE COURT LIMITED | 20.8 yrs | Yorkshire / | Personal services | Mar-2025, Trade Debtors: £18k, Debts: £5k, Net Assets: £490k, Staff: 28, Est PBT: £54k |
| 04/11/2025 | QUICK SELF STORAGE | 4.3 yrs | North East | - | Jul-2024, Trade Debtors: £2k, Debts: £286k, Net Assets: £2.2m, Staff: 2 |
| 24/11/2025 | DULWICH DENTAL CLINIC | 15.3 yrs | London | Human health | Jul-2024, Turnover: £1.7m, Net Assets: £896k, Staff: 17, Est PBT: £379k |
| 17/11/2025 | UGS (TAUNTON) LIMITED | 33.6 yrs | London | Real estate | Sep-2024, Net Assets: £1.8m, Est PBT: £-333k |
| 24/11/2025 | MEADOW JAMES CAPITAL | 2.2 yrs | Wales | Real estate | Sep-2025, Debts: £30k, Net Assets: £125k, Est PBT: £57k |
| 28/11/2025 | NISA DUNVANT LIMITED | 8.4 yrs | Wales | Retail trade | Jun-2025, Net Assets: £183k, Staff: 11, Est PBT: £100k |
| 03/11/2025 | THE COMMERCIAL PROPERTY | 4.1 yrs | North West | Real estate | Oct-2024, Debts: £1.1m, Net Assets: £88k, Staff: 4, Est PBT: £65k |