Challenger banks
May 2025
6th in cohort
Oaknorth
May 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 6th.
May 2025 Debenture Activity
Year-over-year comparison of debenture registrations for May 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 35 | 118 | 24 | 18 | -33% |
Borrower Profile
Average borrower characteristics compared to cohort for May 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Education | 5 |
| Real estate | 4 |
| Financial services | 3 |
| Accommodation | 3 |
| Head offices & consultancy | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 6 |
| South West | 5 |
| South East | 2 |
| Wales | 1 |
| Yorkshire / Humber | 1 |
Notable New Debentures
Significant new debenture registrations in May 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 31/05/2025 | SPRINGMOVE LIMITED | 5.9 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 02/05/2025 | SEASONS HOLIDAYS LIMITED | 28.4 yrs | South West | Accommodation | Dec-2024, Turnover: £39.3m, Trade Debtors: £81k, Debts: £5.1m, Net Assets: £3.9m |
| 15/05/2025 | NORTHFIELD UNDER 5S | 22.8 yrs | North West | Education | Aug-2024, Net Assets: £358k, Staff: 56, Est PBT: £81k |
| 07/05/2025 | WINTER SUN | 2023 yrs | LIMITED 1.6 Midlands | Real estate | Oct-2024, Turnover: £245k, Trade Debtors: £30k, Net Assets: £6.4m, Est PBT: £-378k |
| 13/05/2025 | HOMES BY HONEY (EAST) | 2.5 yrs | Yorkshire / | Building construction | Dec-2024, Turnover: £8.5m, Debts: £3.2m, Net Assets: £-2.5m, Staff: 2, Est PBT: £-2.0m |
| 16/05/2025 | TARKA EDINBURGH LIMITED | 2.4 yrs | Scotland | Accommodation | Dec-2024, Net Assets: £-20k, Est PBT: £-25k |
| 09/05/2025 | TARKA UK PROPERTY LIMITED | 2.4 yrs | South West | Financial services | Dec-2024, Net Assets: £0k, Est PBT: £0k |
| 09/05/2025 | TARKA EDINBURGH HOLDINGS | 2.4 yrs | South West | Financial services | Dec-2024, Net Assets: £0k |
| 15/05/2025 | UPSADAISY LTD | 9.1 yrs | North West | - | Aug-2024, Trade Debtors: £9k, Other debts: £33k, Net Assets: £35k, Staff: 34 |
| 15/05/2025 | YOUNG EXPLORERS | 16 yrs | North West | Education | Aug-2024, Net Assets: £303k, Staff: 21, Est PBT: £125k |