Challenger banks
September 2025
4th in cohort
Oaknorth
September 2025 debenture analysis for Oaknorth. Challenger banks cohort, ranked 4th.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 20 | 29 | 31 | 51 | +39% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oaknorth | 8.3 | £2.6m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 14 |
| Residential care | 12 |
| Real estate | 8 |
| Building construction | 6 |
| Unknown | 4 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 20 |
| London | 16 |
| South East | 10 |
| Yorkshire / Humber | 4 |
| North West | 1 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 04/09/2025 | LOVETT CARE HOLDINGS | 6.1 yrs | Midlands | - | Dec-2024, Turnover: £31.9m, Trade Debtors: £1.8m, Other debts: £104.7m |
| 05/09/2025 | LOVETT CARE LIMITED | 11.8 yrs | Midlands | - | Dec-2024, Turnover: £571k, Debts: £42.0m, Other debts: £56.4m, Net Assets: £-17.1m |
| 11/09/2025 | RELF PARTNERSHIP I LLP | 5.6 yrs | London | Unknown | Dec-2024, Turnover: £6.9m, Net Assets: £4.1m, Est PBT: £-26.8m |
| 05/09/2025 | SPRINGMOVE LIMITED | 6.1 yrs | South East | Real estate | Sep-2025, Turnover: £77.6m, Trade Debtors: £223k, Debts: £36.4m |
| 19/09/2025 | OMNIPLEX LEARNING GROUP | 4.8 yrs | South East | - | Jun-2024, Turnover: £24.0m, Trade Debtors: £6.7m, Debts: £1.5m, Other debts: £7.2m |
| 19/09/2025 | OMNIPLEX (GROUP) LIMITED | 34.6 yrs | South East | IT programming / consulting | Jun-2024, Turnover: £23.4m, Trade Debtors: £6.6m, Debts: £1.5m, Net Assets: £5.9m |
| 04/09/2025 | LOVETT ROSE HOLDINGS LTD | 2.6 yrs | Midlands | Financial services | Dec-2024, Other debts: £6.3m, Net Assets: £-750k, Est PBT: £-518k |
| 03/09/2025 | A.S.K. PARTNERS LIMITED | 8.9 yrs | London | IT programming / consulting | Dec-2023, Turnover: £9.6m, Trade Debtors: £5.7m, Net Assets: £6.2m, Staff: 17 |
| 05/09/2025 | LOVETT CARE (HARROGATE) | 5.7 yrs | Midlands | Building construction | Dec-2024, Turnover: £921k, Net Assets: £4.6m, Est PBT: £1.0m |
| 23/09/2025 | TABERNACLE HOUSE LIMITED | 11.4 yrs | London | Real estate | Oct-2024, Trade Debtors: £174k, Net Assets: £3.9m, Est PBT: £-378k |