Challenger banks
September 2025
5th in cohort
Atom bank
September 2025 debenture analysis for Atom bank. Challenger banks cohort, ranked 5th.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 10 | 27 | 39 | 32 | -22% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Atom bank | 7.6 | £388k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 11 |
| Financial services | 6 |
| Human health | 4 |
| Residential care | 3 |
| Retail trade | 2 |
Top Regions
| Region | Count |
|---|---|
| London | 10 |
| North West | 6 |
| East Midlands | 5 |
| South East | 4 |
| Scotland | 3 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 05/09/2025 | SURAJ PROPERTIES LTD | 10.4 yrs | North West | Personal services | Apr-2025, Debts: £3.0m, Net Assets: £344k, Est PBT: £119k |
| 24/09/2025 | FALCON HOUSE CARE LIMITED | 21.8 yrs | London | Human health | Mar-2025, Net Assets: £158k, Staff: 35, Est PBT: £134k |
| 11/09/2025 | GRANDLANE HOLDINGS | 9.3 yrs | Yorkshire / | Human health | Dec-2024, Net Assets: £3.8m |
| 30/09/2025 | THE VASILIOU COLLECTIVE | 5.7 yrs | South East | Real estate | Jan-2025, Trade Debtors: £3k, Debts: £1.7m, Net Assets: £2.2m, Staff: 2, Est PBT: £124k |
| 03/09/2025 | INDEX HOUSE LIMITED | 19.8 yrs | South East | Real estate | Apr-2025, Trade Debtors: £80k, Net Assets: £2.4m, Staff: 5, Est PBT: £27k |
| 25/09/2025 | SPEARHEAD VENTURES | 4.5 yrs | Scotland | Real estate | Mar-2025, Trade Debtors: £7k, Debts: £954k, Net Assets: £611k, Staff: 3, Est PBT: £0k |
| 08/09/2025 | ATLAS UK HOLDINGS LIMITED | 5.6 yrs | London | Real estate | Mar-2025, Net Assets: £980k, Staff: 1, Est PBT: £-18k |
| 03/09/2025 | LLANNON DENTAL CARE | 11 yrs | London | Human health | Sep-2024, Trade Debtors: £51k, Net Assets: £314k, Staff: 9, Est PBT: £-8k |
| 01/09/2025 | Q A T C (EUROPE) LIMITED | 32.6 yrs | South East | Office & business support | Apr-2025, Net Assets: £238k, Staff: 8, Est PBT: £79k |
| 16/09/2025 | MEADOW JAMES LTD | 2 yrs | Wales | Real estate | Sep-2025, Debts: £1.0m, Net Assets: £37k, Est PBT: £38k |