Challenger banks
January 2025
2nd in cohort
Shawbrook Bank
January 2025 debenture analysis for Shawbrook Bank. Challenger banks cohort, ranked 2nd.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 169 | 244 | 143 | 216 | +34% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Shawbrook Bank | 5.3 | £658k |
| Cohort average | 6.2 | £574k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 175 |
| Building construction | 16 |
| Financial services | 9 |
| Unknown | 2 |
| Office & business support | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 49 |
| London | 43 |
| Midlands | 25 |
| North West | 24 |
| South West | 16 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 21/01/2025 | CROSS COUNTRY PARTNERS | 8 yrs | LIMITED 6.9 East Midlands | Real estate | Mar-2025, Debts: £7.2m, Net Assets: £5.8m, Staff: 8550, Est PBT: £-376k |
| 10/01/2025 | KIDO SCHOOLS UK LIMITED | 8.6 yrs | Midlands | Social work | Jun-2025, Turnover: £22.5m, Trade Debtors: £1.7m, Other debts: £5.0m, Net Assets: £2.8m, Staff: 456, Est PBT: £-194k |
| 30/01/2025 | WHITFIELD PORTFOLIO LIMITED | 7.2 yrs | East of England | Real estate | Mar-2025, Trade Debtors: £121k, Debts: £26.4m, Net Assets: £32.2m, Staff: 16, Est PBT: £-629k |
| 28/01/2025 | GIA SURVEYORS LTD | 2.8 yrs | London | Architecture & engineering | Mar-2025, Turnover: £17.5m, Trade Debtors: £3.8m, Debts: £49k, Other debts: £500k, Net Assets: £22.0m, Staff: 136, Est PBT: £183k |
| 13/01/2025 | CRAPPER & SONS LANDFILL LIMITED | 25.9 yrs | South West | Waste management | Oct-2024, Turnover: £23.1m, Trade Debtors: £4.3m, Debts: £3.4m, Net Assets: £9.3m, Staff: 68, Est PBT: £-670k |
| 20/01/2025 | WEST VIEW PARK HOMES LTD | 7.6 yrs | Scotland | Real estate | Jun-2025, Net Assets: £2.5m, Staff: 3, Est PBT: £911k |
| 24/01/2025 | BRIDGES FUND MANAGEMENT LIMITED | 8.3 yrs | London | Financial services | Mar-2025, Turnover: £20.5m, Trade Debtors: £2.1m, Net Assets: £13.3m, Staff: 75, Est PBT: £4.4m |
| 24/01/2025 | 9Y FUNDING | 1 yrs | LIMITED 1.7 South East | Financial services | Dec-2024, Net Assets: £-131k, Staff: 2, Est PBT: £-164k |
| 16/01/2025 | ACCA LAND LIMITED | 16.9 yrs | South East | Real estate | Mar-2024, Trade Debtors: £27k, Debts: £6.7m, Net Assets: £3.0m, Staff: 3, Est PBT: £9k |
| 14/01/2025 | ANNIKA PROPERTIES LTD | 10.6 yrs | London | Real estate | Mar-2024, Debts: £57k, Other debts: £10.8m, Net Assets: £1.0m, Staff: 3, Est PBT: £262k |