Challenger banks
July 2025
6th in cohort
Oxbury Bank
July 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 64 | 87 | 71 | 135 | +47% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 10 |
| Unknown | 1 |
| Office & business support | 1 |
| Real estate | 1 |
| Travel & tourism | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 7 |
| Scotland | 3 |
| East of England | 3 |
| South East | 2 |
| Yorkshire / Humber | 1 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 10/07/2025 | ASHCOURT FARMS LIMITED | 11.3 yrs | Yorkshire / | Agriculture | Oct-2024, Trade Debtors: £293k, Debts: £10.3m, Net Assets: £3.4m, Staff: 3 |
| 15/07/2025 | SMITHILLS OPEN FARM LTD | 9.7 yrs | North West | Agriculture | Jan-2025, Trade Debtors: £306k, Debts: £41k, Net Assets: £1.9m, Staff: 136 |
| 04/07/2025 | STABLEYARD CATERING LTD | 6.7 yrs | North West | Food & beverage services | Dec-2024, Trade Debtors: £36k, Net Assets: £-179k, Staff: 65, Est PBT: £-13k |
| 23/07/2025 | HOLLOWAY FARMS LIMITED | 17.4 yrs | East of England | - | Mar-2025, Trade Debtors: £212k, Other debts: £3k, Net Assets: £1.8m, Staff: 11 |
| 14/07/2025 | HALTON FARMS LTD | 13.4 yrs | North West | Agriculture | Mar-2025, Trade Debtors: £85k, Debts: £795k, Net Assets: £549k, Staff: 11 |
| 08/07/2025 | HEATON HOUSE EVENTS | 14.1 yrs | North West | Travel & tourism | Dec-2024, Trade Debtors: £62k, Debts: £97k, Net Assets: £39k, Staff: 15, Est PBT: £-4k |
| 01/07/2025 | THE LITTLE COW SHED LIMITED | 6.4 yrs | North West | Retail trade | Mar-2025, Net Assets: £43k, Staff: 9, Est PBT: £56k |
| 08/07/2025 | MIMAS ESTATES LTD | 1.6 yrs | North West | Real estate | Dec-2024, Net Assets: £4k, Staff: 3, Est PBT: £4k |
| 16/07/2025 | C R DAVIES CYF | 8.7 yrs | Wales | Office & business support | Nov-2024, Net Assets: £187k, Staff: 1, Est PBT: £-12k |
| 08/07/2025 | LINCS GROUNDCARE LIMITED | 20.3 yrs | East of England | Property & facilities services | Apr-2025, Net Assets: £140k, Staff: 2, Est PBT: £-2k |