Challenger banks
January 2026
6th in cohort
Oaknorth
January 2026 debenture analysis for Oaknorth. Challenger banks cohort, ranked 6th.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 15 | 43 | 36 | 13 | -23 | -64% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 6.4 | £11.3m |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 4 |
| Building construction | 4 |
| Financial support services | 1 |
| Office & business support | 1 |
| Real estate | 1 |
Top Regions
| Region | Count |
|---|---|
| London | 6 |
| South East | 4 |
| Scotland | 3 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 05/01/2026 | PRIORY CC112 LIMITED | 3.9 yrs | South East | Residential care | Dec-2024, Turnover: £52.4m, Trade Debtors: £5.8m, Debts: £15.1m |
| 16/01/2026 | SPRINGMOVE LIMITED | 6.5 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 15/01/2026 | ACT CREDIT MANAGEMENT | 21.8 yrs | London | Office & business support | Mar-2025, Net Assets: £827k, Staff: 57, Est PBT: £-364k |
| 29/01/2026 | DIFFERENT ROADS | 9 yrs | Scotland | Accommodation | Jan-2025, Net Assets: £1.7m, Staff: 13, Est PBT: £221k |
| 27/01/2026 | BROADWOOD LLSCF LENDING | 1.4 yrs | London | Financial services | Mar-2025, Net Assets: £-21k |
| 05/01/2026 | ROSY PARK LIMITED | 4.1 yrs | Scotland | Building construction | Oct-2024, Debts: £780k, Net Assets: £0k |
| 05/01/2026 | CHRYSALIS HOMES LIMITED | 10.7 yrs | Scotland | Building construction | Dec-2024, Net Assets: £-322k, Est PBT: £-281k |
| 08/01/2026 | RELENDEX SECURITY | 10.4 yrs | London | Financial services | Jan-2025, Net Assets: £0k, Staff: 4 |
| 08/01/2026 | CAPITAL DEVELOPMENTS | 2.6 yrs | London | Building construction | Jun-2024, Net Assets: £0k, Staff: 2 |
| 27/01/2026 | BROADWOOD LLSCF | 1.5 yrs | London | Financial support services | Mar-2025, Net Assets: £-76k, Est PBT: £-131k |