Challenger banks
September 2025
2nd in cohort
Shawbrook Bank
September 2025 debenture analysis for Shawbrook Bank. Challenger banks cohort, ranked 2nd.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 285 | 190 | 284 | 281 | -1% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Shawbrook Bank | 6.3 | £735k |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 222 |
| Building construction | 20 |
| Financial services | 10 |
| Office & business support | 7 |
| Unknown | 4 |
Top Regions
| Region | Count |
|---|---|
| South East | 63 |
| London | 58 |
| North West | 44 |
| Midlands | 27 |
| Scotland | 21 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 30/09/2025 | MOTIVATES INC. LIMITED | 7.4 yrs | London | Personal services | Mar-2025, Turnover: £75.3m, Trade Debtors: £7.1m, Net Assets: £3.6m, Staff: 55 |
| 29/09/2025 | BABINGTON BUSINESS LIMITED | 15.9 yrs | South West | - | Jul-2024, Turnover: £18.6m, Trade Debtors: £1.4m, Net Assets: £-7.9m, Staff: 314 |
| 29/09/2025 | BABINGTON BUSINESS | 33.8 yrs | Midlands | Education | Jul-2024, Turnover: £18.6m, Trade Debtors: £1.4m, Net Assets: £-44k, Staff: 314 |
| 18/09/2025 | FOREVER BIDCO LIMITED | 3.7 yrs | London | Financial services | Dec-2024, Turnover: £1.7m, Debts: £18.9m, Other debts: £3.9m, Net Assets: £560k |
| 29/09/2025 | DANWORTH HOLDINGS | 28 yrs | South East | Real estate | Sep-2025, Trade Debtors: £78k, Debts: £13.3m, Net Assets: £15.8m, Staff: 2 |
| 12/09/2025 | BIG POTATO ENTERPRISES | 3.9 yrs | London | Unknown | Dec-2024, Turnover: £3.5m, Debts: £3.9m, Net Assets: £21.5m, Staff: 6, Est PBT: £3.7m |
| 30/09/2025 | IMS EURO LIMITED | 24.2 yrs | North West | Wholesale trade | Dec-2024, Turnover: £33.0m, Trade Debtors: £3.4m, Net Assets: £11.9m, Staff: 95 |
| 30/09/2025 | IMS EURO GROUP LTD | 3.3 yrs | North West | Unknown | Dec-2024, Turnover: £32.3m, Trade Debtors: £3.5m, Net Assets: £14.3m, Staff: 103 |
| 30/09/2025 | CYBANETIX BIDCO LIMITED | 1.3 yrs | London | Financial services | Jan-2025, Net Assets: £-14k, Staff: 2, Est PBT: £-30k |
| 30/09/2025 | CYBANETIX MIDCO | 2 yrs | LIMITED 1.3 London | Financial services | Jan-2025, Net Assets: £0k, Est PBT: £0k |