Challenger banks
October 2025
4th in cohort
Oaknorth
October 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 4th.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 29 | 55 | 52 | 30 | -73% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Social work | 7 |
| Financial services | 6 |
| Real estate | 6 |
| Food & beverage services | 3 |
| Residential care | 2 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 12 |
| London | 9 |
| Scotland | 5 |
| South East | 3 |
| Yorkshire / Humber | 1 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 13/10/2025 | MACC CARE TOPCO LIMITED | 2.7 yrs | Midlands | Financial services | Sep-2024, Turnover: £54.8m, Trade Debtors: £243k, Debts: £195.4m |
| 16/10/2025 | HEARTWOOD INNS LIMITED | 15.8 yrs | London | - | Jun-2025, Turnover: £55.7m, Trade Debtors: £32k, Net Assets: £5.8m, Staff: 1089 |
| 03/10/2025 | CARE SANTÉ LIMITED | 4.8 yrs | Midlands | Social work | Dec-2024, Turnover: £16.4m, Trade Debtors: £1.2m, Debts: £30k, Net Assets: £195k |
| 03/10/2025 | FI HOLDINGS LIMITED | 8.6 yrs | London | Food & beverage services | Aug-2024, Turnover: £49.6m, Trade Debtors: £630k, Debts: £5.5m |
| 03/10/2025 | FLAT IRON STEAK LIMITED | 13.1 yrs | London | Food & beverage services | Aug-2024, Turnover: £49.6m, Trade Debtors: £630k, Debts: £5.5m, Net Assets: £3.4m |
| 19/10/2025 | SPRINGMOVE LIMITED | 6.3 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 13/10/2025 | MACC CARE LIMITED | 21.5 yrs | Midlands | Residential care | Sep-2024, Turnover: £11.1m, Trade Debtors: £29k, Debts: £6.5m, Other debts: £43k |
| 03/10/2025 | VALLEY CARE DIRECT LIMITED | 15 yrs | Midlands | Human health | Dec-2024, Turnover: £9.5m, Trade Debtors: £474k, Debts: £14k, Net Assets: £425k |
| 13/10/2025 | MACC CARE BBWW HOLDCO | 2 yrs | Midlands | Financial services | Sep-2024, Debts: £39.6m, Net Assets: £0k, Est PBT: £0k |
| 17/10/2025 | A.S.K. PARTNERS LIMITED | 9 yrs | London | IT programming / consulting | Dec-2023, Turnover: £9.6m, Trade Debtors: £5.7m, Net Assets: £6.2m, Staff: 17 |