Challenger banks
January 2025
4th in cohort
Oaknorth
January 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 4th.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 17 | 15 | 43 | 36 | -19% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 9.4 | £3.6m |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 12 |
| Accommodation | 9 |
| Financial services | 5 |
| Building construction | 3 |
| Sports & recreation | 3 |
Top Regions
| Region | Count |
|---|---|
| London | 20 |
| South East | 6 |
| Scotland | 5 |
| North West | 2 |
| South West | 2 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 14/01/2025 | GALLIARD HOLDINGS LIMITED | 27.7 yrs | South East | Head offices & consultancy | Mar-2025, Net Assets: £38.2m, Est PBT: £-10.4m |
| 14/01/2025 | MIDOS GC LIMITED | 13.2 yrs | London | Financial services | Jun-2024, Trade Debtors: £202k, Debts: £444k, Net Assets: £7.7m, Est PBT: £1.4m |
| 27/01/2025 | PINE HOTEL PROPCO LIMITED | 3.6 yrs | London | Financial services | Dec-2024, Net Assets: £28.8m, Est PBT: £1.1m |
| 07/01/2025 | STAYCITY UK LTD. | 16.9 yrs | Scotland | Accommodation | Dec-2024, Turnover: £102.5m, Trade Debtors: £1.8m, Net Assets: £5.6m, Staff: 636, Est PBT: £3.6m |
| 22/01/2025 | SPRINGMOVE LIMITED | 5.5 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m, Staff: 3, Est PBT: £-421k |
| 13/01/2025 | KIER (NEWCASTLE) OPERATION LIMITED | 7.9 yrs | North West | Building construction | Jun-2024, Turnover: £2.5m, Other debts: £26.8m, Net Assets: £7.1m, Est PBT: £7.9m |
| 03/01/2025 | MAGNETIC LIMITED | 13.3 yrs | North West | Real estate | Jun-2024, Other debts: £26.8m, Net Assets: £3.0m, Est PBT: £47k |
| 06/01/2025 | LONGSHOT III LIMITED | 3.3 yrs | London | Office & business support | Mar-2025, Turnover: £1.9m, Trade Debtors: £12k, Debts: £4.1m, Net Assets: £19.6m, Staff: 81, Est PBT: £-4.1m |
| 22/01/2025 | GENTIAN TRAFALGAR LIMITED | 9 yrs | London | Real estate | Dec-2024, Net Assets: £13.5m, Est PBT: £14.2m |
| 31/01/2025 | A.S.K. PARTNERS LENDCO LIMITED | 5 yrs | London | Financial services | Dec-2023, Turnover: £3.8m, Trade Debtors: £2.3m, Net Assets: £5.6m, Est PBT: £3.5m |