Challenger banks
January 2025
6th in cohort
Oxbury Bank
January 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 13 | 9 | 8 | 11 | +27% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 13.1 | £377k |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 8 |
| Legal & accounting | 1 |
| Retail trade | 1 |
| Specialist construction | 1 |
Top Regions
| Region | Count |
|---|---|
| South West | 3 |
| Scotland | 2 |
| South East | 2 |
| East of England | 1 |
| Wales | 1 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 27/01/2025 | D R & E G DAVIES LIMITED | 16.9 yrs | Wales | Agriculture | Sep-2024, Trade Debtors: £211k, Debts: £1.5m, Net Assets: £1.5m, Staff: 18, Est PBT: £77k |
| 20/01/2025 | EVOLUTION ABS LIMITED | 15.3 yrs | South West | Legal & accounting | Jan-2025, Trade Debtors: £556k, Debts: £27k, Net Assets: £556k, Staff: 26, Est PBT: £70k |
| 20/01/2025 | R COOPER & SON LIMITED | 57.9 yrs | Midlands | Agriculture | Sep-2024, Debts: £35k, Net Assets: £621k, Staff: 2, Est PBT: £-63k |
| 24/01/2025 | ASHDALE SPORTS HORSES LTD | 5.5 yrs | South East | Agriculture | Jan-2025, Trade Debtors: £2k, Debts: £364k, Net Assets: £295k, Staff: 2, Est PBT: £58k |
| 17/01/2025 | BOUNDARIES (SCOTLAND) LIMITED | 16.8 yrs | Scotland | Specialist construction | Mar-2025, Trade Debtors: £59k, Debts: £21k, Net Assets: £443k, Staff: 5, Est PBT: £-54k |
| 29/01/2025 | RJST LIMITED | 14.1 yrs | Yorkshire / Humber | Agriculture | Mar-2025, Net Assets: £211k, Staff: 2, Est PBT: £-246k |
| 10/01/2025 | M. E. AGRI LTD | 9.6 yrs | South West | Agriculture | Jun-2024, Trade Debtors: £6k, Debts: £24k, Net Assets: £114k, Staff: 1, Est PBT: £3k |
| 06/01/2025 | THE SHEEP GAME LTD | 4.1 yrs | Scotland | Retail trade | Mar-2025, Net Assets: £306k, Staff: 2 |
| 02/01/2025 | PENLEAZE FARM LTD | 1.3 yrs | South West | Agriculture | Mar-2025, Net Assets: £85k, Staff: 1, Est PBT: £47k |
| 02/01/2025 | JM SMITH BELCHFORD LIMITED | 2.4 yrs | East of England | Agriculture | Aug-2025, Net Assets: £56k, Staff: 1, Est PBT: £-24k |