Challenger banks
August 2025
5th in cohort
Oaknorth
August 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 5th.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 47 | 34 | 23 | 26 | +12% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 10 |
| Education | 4 |
| Real estate | 3 |
| Social work | 2 |
| Food & beverage services | 2 |
Top Regions
| Region | Count |
|---|---|
| East Midlands | 13 |
| London | 5 |
| Yorkshire / Humber | 4 |
| South East | 4 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 11/08/2025 | HEARTWOOD INNS LIMITED | 15.6 yrs | London | - | Jun-2025, Turnover: £55.7m, Trade Debtors: £32k, Net Assets: £5.8m, Staff: 1089 |
| 26/08/2025 | HAMSARD | 3145 yrs | LIMITED 16.8 South East | - | Dec-2024, Turnover: £49.8m, Trade Debtors: £2.3m, Other debts: £14.6m |
| 26/08/2025 | WHITTARD TRADING LIMITED | 16.8 yrs | South East | - | Dec-2024, Turnover: £49.8m, Trade Debtors: £2.1m, Other debts: £432k |
| 07/08/2025 | SPRINGMOVE LIMITED | 6.1 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 08/08/2025 | ICP EDUCARE LIMITED | 2 yrs | East Midlands | Financial services | Aug-2025, Net Assets: £-1.3m, Staff: 4, Est PBT: £-1.5m |
| 11/08/2025 | OXFORDSHIRE NURSERIES | 21.4 yrs | East Midlands | Social work | Aug-2025, Net Assets: £800k, Staff: 131, Est PBT: £2.4m |
| 17/08/2025 | BESPOKE KITCHEN FOODS LTD | 18.2 yrs | East Midlands | Food manufacturing | May-2025, Turnover: £15.8m, Trade Debtors: £2.0m, Debts: £75k, Net Assets: £5.2m |
| 08/08/2025 | PHOENIX PARK NURSERY LTD | 8.9 yrs | East Midlands | Education | Aug-2025, Trade Debtors: £62k, Debts: £0k, Net Assets: £1.2m, Staff: 72 |
| 11/08/2025 | THE WOODLANDS NURSERY | 8.3 yrs | East Midlands | Social work | Aug-2024, Net Assets: £432k, Staff: 39 |
| 08/08/2025 | SHOTLEY BRIDGE NURSERY | 22 yrs | East Midlands | Education | Aug-2025, Trade Debtors: £15k, Net Assets: £472k, Staff: 27, Est PBT: £227k |