Challenger banks
October 2025
6th in cohort
Atom bank
October 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 6th.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 24 | 29 | 39 | 26 | -50% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 17 |
| Residential care | 2 |
| Accommodation | 2 |
| Unknown | 1 |
| Furniture manufacturing | 1 |
Top Regions
| Region | Count |
|---|---|
| Scotland | 7 |
| South East | 5 |
| South West | 4 |
| North West | 4 |
| London | 2 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 21/10/2025 | PHOENIX PROPERTIES | 10.4 yrs | Scotland | Real estate | May-2025, Net Assets: £3.0m, Staff: 8, Est PBT: £1.3m |
| 07/10/2025 | BOYACK ENTERPRISES LIMITED | 24.3 yrs | South East | Residential care | Mar-2025, Trade Debtors: £3k, Debts: £37k, Net Assets: £1.0m, Staff: 39, Est PBT: £22k |
| 03/10/2025 | A J SENIOR LIMITED | 22.6 yrs | South West | Real estate | Mar-2025, Net Assets: £3.6m, Staff: 1, Est PBT: £105k |
| 21/10/2025 | AMC ENTERPRISES AYR | 7.2 yrs | Scotland | Accommodation | Aug-2025, Debts: £11k, Net Assets: £1.6m, Staff: 23, Est PBT: £623k |
| 25/10/2025 | MONSTORE LTD | 6.5 yrs | Scotland | Real estate | Mar-2025, Trade Debtors: £36k, Debts: £785k, Other debts: £67k, Net Assets: £720k |
| 03/10/2025 | SPEARHEAD VENTURES | 4.5 yrs | Scotland | Real estate | Mar-2025, Trade Debtors: £7k, Debts: £954k, Net Assets: £611k, Staff: 3, Est PBT: £0k |
| 25/10/2025 | ESL INVESTMENTS LIMITED | 8.7 yrs | Scotland | Real estate | Mar-2025, Debts: £374k, Net Assets: £2.1m, Staff: 2, Est PBT: £1.7m |
| 16/10/2025 | OLIVER LAW SECURITY LTD | 13.9 yrs | Yorkshire / | - | Nov-2024, Trade Debtors: £210k, Debts: £150k, Net Assets: £126k, Staff: 15 |
| 17/10/2025 | PLATINUM HOMECARE 4U | 5 yrs | South East | Social work | Mar-2024, Net Assets: £39k, Staff: 12, Est PBT: £153k |
| 27/10/2025 | GAYAK LLP | 15.2 yrs | London | Unknown | Aug-2024, Debts: £42k, Net Assets: £1.2m, Est PBT: £94k |