Challenger banks
December 2025
5th in cohort
Oaknorth
December 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 5th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 27 | 57 | 45 | 41 | -10% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 10 |
| Financial services | 8 |
| Building construction | 7 |
| Residential care | 5 |
| Unknown | 3 |
Top Regions
| Region | Count |
|---|---|
| London | 11 |
| South East | 10 |
| North West | 7 |
| East Midlands | 5 |
| Yorkshire / Humber | 4 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 02/12/2025 | SPRINGMOVE LIMITED | 6.4 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 19/12/2025 | S & M CHANTLER TRADING | 8.1 yrs | North West | Financial services | May-2025, Net Assets: £38.7m, Est PBT: £17.6m |
| 19/12/2025 | STRETTON BEESTON LIMITED | 4 yrs | North West | Real estate | May-2025, Debts: £9.0m, Net Assets: £-3.7m, Est PBT: £-3.2m |
| 19/12/2025 | CHANTLER TRADING LIMITED | 9.1 yrs | North West | Financial services | Dec-2024, Debts: £0k, Net Assets: £13.4m, Staff: 3, Est PBT: £471k |
| 16/12/2025 | A.S.K. PARTNERS LENDCO E | 1.7 yrs | London | Financial services | Dec-2024, Other debts: £33.0m, Net Assets: £-9k, Est PBT: £-15k |
| 01/12/2025 | ICP EDUCARE LIMITED | 2.3 yrs | East Midlands | Financial services | Aug-2025, Net Assets: £-1.3m, Staff: 4, Est PBT: £-1.5m |
| 16/12/2025 | MONTPELIER ESTATES LIMITED | 28.9 yrs | South East | Building construction | Mar-2025, Trade Debtors: £4.5m, Net Assets: £3.2m, Staff: 5, Est PBT: £626k |
| 29/12/2025 | MAGNUS CARE HOLDINGS | 5.2 yrs | South East | Residential care | Dec-2024, Net Assets: £7.1m, Est PBT: £5.7m |
| 11/12/2025 | NORTH LINK BIOENERGY LTD | 16.7 yrs | Yorkshire / | Utilities | Jun-2024, Trade Debtors: £69k, Net Assets: £2.0m, Staff: 8, Est PBT: £23k |
| 16/12/2025 | A.S.K. PARTNERS LENDCO | 5.9 yrs | London | Financial services | Dec-2023, Turnover: £3.8m, Trade Debtors: £2.3m, Net Assets: £5.6m, Est PBT: £3.5m |