Challenger banks
May 2025
2nd in cohort
Shawbrook Bank
May 2025 debenture analysis for Shawbrook Bank. Challenger banks cohort, ranked 2nd.
May 2025 Debenture Activity
Year-over-year comparison of debenture registrations for May 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 251 | 211 | 233 | 292 | +20% |
Borrower Profile
Average borrower characteristics compared to cohort for May 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Shawbrook Bank | 6.3 | £735k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 212 |
| Financial services | 23 |
| Building construction | 22 |
| Veterinary services | 9 |
| Wholesale & retail trade | 7 |
Top Regions
| Region | Count |
|---|---|
| London | 67 |
| South East | 48 |
| Midlands | 35 |
| North West | 33 |
| South West | 29 |
Notable New Debentures
Significant new debenture registrations in May 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 02/05/2025 | RYGOR AUTO GROUP LIMITED | 2.8 yrs | South West | Wholesale & retail trade | Apr-2025, Turnover: £320.2m, Trade Debtors: £17.7m, Debts: £21.5m |
| 02/05/2025 | RYGOR HOLDINGS LIMITED | 17.2 yrs | South West | Office & business support | Apr-2025, Turnover: £320.2m, Trade Debtors: £17.7m, Debts: £11.1m |
| 02/05/2025 | RYGOR GROUP LIMITED | 56.8 yrs | South West | Office & business support | Apr-2025, Turnover: £298.8m, Trade Debtors: £16.2m, Debts: £11.1m |
| 02/05/2025 | RYGOR COMMERCIALS LTD | 40.2 yrs | South West | Wholesale & retail trade | Apr-2025, Turnover: £293.5m, Trade Debtors: £15.9m, Debts: £10.8m |
| 22/05/2025 | CHARLES M.WILLIE & | 86.9 yrs | Wales | Water transport | Nov-2024, Turnover: £43.5m, Trade Debtors: £1.4m, Debts: £30.6m |
| 14/05/2025 | STUDENT SHACK LIMITED | 21.2 yrs | North West | Real estate | Mar-2025, Debts: £12k, Other debts: £30.0m, Net Assets: £6.2m, Staff: 1, Est PBT: £152k |
| 20/05/2025 | WICK TOPCO LIMITED | 2 yrs | East of England | Financial services | Dec-2024, Trade Debtors: £639k, Debts: £152k, Other debts: £28.7m |
| 08/05/2025 | WHOLEBAKE LIMITED | 28.4 yrs | Wales | - | Mar-2025, Turnover: £52.7m, Trade Debtors: £3.6m, Debts: £635k, Other debts: £490k |
| 15/05/2025 | HELIO INTELLIGENCE GROUP | 4.3 yrs | London | Financial services | Dec-2024, Debts: £15.6m, Net Assets: £4.9m, Est PBT: £-1.9m |
| 08/05/2025 | WELLBEING BIDCO LIMITED | 4 yrs | Wales | Financial services | Mar-2025, Debts: £1.1m, Net Assets: £-9.5m, Staff: 3, Est PBT: £-308k |