Challenger banks
November 2025
5th in cohort
Oaknorth
November 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 5th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 70 | 46 | 72 | 33 | -118% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Education | 10 |
| Financial services | 6 |
| Social work | 5 |
| Building construction | 3 |
| Sports & recreation | 3 |
Top Regions
| Region | Count |
|---|---|
| South West | 14 |
| London | 11 |
| North West | 4 |
| Yorkshire / Humber | 2 |
| South East | 2 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 20/11/2025 | TOTAL FITNESS HEALTH CLUBS | 15.3 yrs | North West | Sports & recreation | Jun-2025, Turnover: £51.6m, Trade Debtors: £69k, Debts: £6.4m, Net Assets: £9.9m |
| 17/11/2025 | SPRINGMOVE LIMITED | 6.3 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 05/11/2025 | HAPPY DAYS DAY NURSERIES | 23.9 yrs | South West | Education | Dec-2024, Turnover: £16.9m, Trade Debtors: £107k, Net Assets: £9.0m, Staff: 419 |
| 05/11/2025 | PITTSHANGER BIDCO LIMITED | 3.6 yrs | South West | Education | Dec-2024, Net Assets: £-38k, Staff: 9, Est PBT: £-18k |
| 03/11/2025 | A.S.K. PARTNERS LIMITED | 9.1 yrs | London | IT programming / consulting | Dec-2023, Turnover: £9.6m, Trade Debtors: £5.7m, Net Assets: £6.2m, Staff: 17 |
| 05/11/2025 | HAPPY DAYS SOUTH WEST | 22.4 yrs | South West | - | Dec-2024, Turnover: £5.4m, Trade Debtors: £21k, Net Assets: £52k, Staff: 188 |
| 05/11/2025 | H. DAYS HOLDINGS LIMITED | 13.9 yrs | South West | Education | Dec-2024, Debts: £6.4m, Other debts: £26.6m, Net Assets: £-22.1m, Staff: 28 |
| 20/11/2025 | TOTAL FITNESS HC HOLDINGS | 15.2 yrs | North West | Sports & recreation | Jun-2025, Net Assets: £16.9m, Staff: 2 |
| 05/11/2025 | JUNIOR CHILDCARE LIMITED | 18 yrs | South West | Education | Dec-2024, Trade Debtors: £211k, Net Assets: £1.4m, Staff: 100, Est PBT: £-348k |
| 05/11/2025 | HAPPY DAYS CONSULTANCY | 22.9 yrs | South West | Education | Dec-2024, Net Assets: £283k, Staff: 6, Est PBT: £-130k |