Challenger banks
July 2025
4th in cohort
Oaknorth
July 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 4th.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 77 | 27 | 57 | 50 | -14% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Food & beverage services | 20 |
| Real estate | 9 |
| Insurance & pensions | 6 |
| Financial services | 5 |
| Financial support services | 3 |
Top Regions
| Region | Count |
|---|---|
| London | 26 |
| South East | 7 |
| East Midlands | 7 |
| Yorkshire / Humber | 4 |
| Scotland | 3 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 10/07/2025 | HONEST GROUP LTD | 10.6 yrs | London | Head offices & consultancy | Jan-2025, Turnover: £59.9m, Trade Debtors: £236k, Debts: £12.3m |
| 10/07/2025 | HONEST BURGERS LTD | 14.5 yrs | London | Food & beverage services | Jan-2025, Turnover: £59.9m, Trade Debtors: £236k, Debts: £10.7m, Net Assets: £737k |
| 24/07/2025 | ROCK CO. CAPITAL LIMITED | 11.4 yrs | South East | Real estate | Dec-2024, Other debts: £7.2m, Net Assets: £74.7m, Staff: 4, Est PBT: £52.4m |
| 24/07/2025 | POWERRAPID LIMITED | 23.3 yrs | South East | Real estate | Dec-2024, Net Assets: £53.1m, Staff: 1, Est PBT: £46.8m |
| 18/07/2025 | SPRINGMOVE LIMITED | 6 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 24/07/2025 | M.F. STRAWSON LIMITED | 67.7 yrs | Yorkshire / | Agriculture | Jun-2025, Trade Debtors: £1.7m, Debts: £14k, Net Assets: £37.8m, Staff: 38 |
| 24/07/2025 | ROCK CO. LIMITED | 11.4 yrs | South East | Real estate | Dec-2024, Debts: £4.6m, Net Assets: £22.9m, Staff: 2, Est PBT: £5.8m |
| 17/07/2025 | A. & J. STEPHEN (BUILDERS) | 50.2 yrs | Scotland | Building construction | Mar-2024, Turnover: £14.3m, Trade Debtors: £64k, Debts: £125k, Net Assets: £5.6m |
| 24/07/2025 | LNT CARE DEVELOPMENTS (6) | 2.5 yrs | Yorkshire / | - | Mar-2025, Turnover: £16.3m, Other debts: £1.4m, Net Assets: £-1.2m, Staff: 6 |
| 14/07/2025 | PLAYFAIR TOPCO LIMITED | 6.5 yrs | Northern Ireland | Real estate | Mar-2025, Turnover: £1.2m, Trade Debtors: £42k, Net Assets: £-166k, Staff: 15 |