Challenger banks
October 2025
2nd in cohort
Shawbrook Bank
October 2025 debenture analysis for Shawbrook Bank. Challenger banks cohort, ranked 2nd.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 332 | 223 | 251 | 304 | +17% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Shawbrook Bank | 6.3 | £735k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 229 |
| Building construction | 18 |
| Financial services | 13 |
| Residential care | 4 |
| Accommodation | 4 |
Top Regions
| Region | Count |
|---|---|
| South East | 60 |
| London | 54 |
| North West | 45 |
| Midlands | 37 |
| South West | 22 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/10/2025 | KRINVEST CARE GROUP LTD. | 15.2 yrs | South East | - | Sep-2024, Turnover: £27.1m, Trade Debtors: £1.8m, Debts: £30.6m, Other debts: £1.2m |
| 28/10/2025 | WHOLEBAKE LIMITED | 28.9 yrs | Wales | - | Mar-2025, Turnover: £52.7m, Trade Debtors: £3.6m, Debts: £635k, Other debts: £490k |
| 13/10/2025 | STAR PROPERTY INVESTMENT | 10.7 yrs | South East | Real estate | Mar-2025, Trade Debtors: £94k, Debts: £13.0m, Other debts: £610k, Net Assets: £331k |
| 22/10/2025 | WEIRD FISH HOLDINGS | 8.6 yrs | South West | Head offices & consultancy | Dec-2024, Turnover: £42.6m, Trade Debtors: £1.8m, Other debts: £5.3m |
| 22/10/2025 | WEIRD FISH LIMITED | 44.7 yrs | South West | - | Dec-2024, Turnover: £42.6m, Trade Debtors: £1.8m, Net Assets: £12.3m, Staff: 241 |
| 21/10/2025 | DSG PROPERTY MANAGEMENT | 13.1 yrs | South East | Real estate | Sep-2025, Trade Debtors: £9k, Debts: £17.4m, Net Assets: £11.0m, Staff: 1 |
| 28/10/2025 | WELLBEING BIDCO LIMITED | 4.4 yrs | Wales | Financial services | Mar-2025, Debts: £1.1m, Net Assets: £-9.5m, Staff: 3, Est PBT: £-308k |
| 10/10/2025 | TP HOLDINGS CO. LTD | 3 yrs | North West | - | Dec-2024, Turnover: £27.2m, Trade Debtors: £5.6m, Debts: £14.0m, Net Assets: £-1.4m |
| 02/10/2025 | KRUIDBERG CAPITAL LIMITED | 4.9 yrs | London | Real estate | Nov-2024, Trade Debtors: £111k, Debts: £13.7m, Net Assets: £152k, Est PBT: £226k |
| 10/10/2025 | THINK PRINT (UK) LIMITED | 28.2 yrs | North West | Printing & media reproduction | Dec-2024, Turnover: £27.2m, Trade Debtors: £5.4m, Net Assets: £1.1m, Staff: 68 |