Challenger banks
January 2026
2nd in cohort
Shawbrook Bank
January 2026 debenture analysis for Shawbrook Bank. Challenger banks cohort, ranked 2nd.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 244 | 143 | 216 | 161 | -55 | -25% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Shawbrook Bank | 6 | -£168k |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 126 |
| Building construction | 10 |
| Financial services | 8 |
| Specialist construction | 2 |
| Accommodation | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 42 |
| North West | 37 |
| London | 24 |
| Midlands | 17 |
| Scotland | 10 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/01/2026 | ROSY HOLDCO LIMITED | 5.9 yrs | South East | Financial services | Jan-2025, Turnover: £91.5m, Trade Debtors: £2.5m, Debts: £31.5m |
| 08/01/2026 | REASSURED LIMITED | 16.8 yrs | South East | - | Jan-2025, Turnover: £91.5m, Trade Debtors: £2.5m, Net Assets: £16.5m, Staff: 803 |
| 08/01/2026 | ROSY BIDCO LIMITED | 5.9 yrs | South East | Financial services | Jan-2025, Other debts: £31.5m, Net Assets: £-102.7m, Est PBT: £-14.3m |
| 02/01/2026 | STAR PROPERTY INVESTMENT | 10.9 yrs | South East | Real estate | Mar-2025, Trade Debtors: £94k, Debts: £13.0m, Other debts: £610k, Net Assets: £331k |
| 07/01/2026 | W & A CASEMENT LIMITED | 11.2 yrs | North West | Real estate | May-2025, Net Assets: £17.7m, Est PBT: £10.9m |
| 02/01/2026 | BURNHAM WATERS LTD | 5.1 yrs | South East | Building construction | Nov-2024, Trade Debtors: £1.4m, Debts: £29.9m, Net Assets: £2.9m, Staff: 3 |
| 09/01/2026 | KRUIDBERG CAPITAL LIMITED | 5.1 yrs | London | Real estate | Nov-2024, Trade Debtors: £111k, Debts: £13.7m, Net Assets: £152k, Est PBT: £226k |
| 02/01/2026 | STAR PROPERTY CAPITAL | 4.4 yrs | South East | Real estate | Mar-2025, Net Assets: £664k, Staff: 2, Est PBT: £-160k |
| 02/01/2026 | A.S.B. (UK) LIMITED | 24 yrs | London | Real estate | Jan-2025, Trade Debtors: £47k, Debts: £8.5m, Net Assets: £11.2m, Staff: 8 |
| 14/01/2026 | ASCOT BRIDGING FINANCE | 4 yrs | 3.8 North West | - | Mar-2025, Trade Debtors: £4.2m, Debts: £2.8m, Net Assets: £46k |