ABL + Invoice Finance
December 2025
1st in cohort
Bibby Finance
December 2025 debenture analysis for Bibby Finance. ABL + Invoice Finance cohort, ranked 1st.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 42 | 56 | 52 | 67 | +22% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Bibby Finance | 9.8 | £277k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Specialist construction | 10 |
| Land transport & logistics | 5 |
| Office & business support | 5 |
| Wholesale trade | 5 |
| Head offices & consultancy | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 15 |
| North West | 9 |
| Midlands | 9 |
| South West | 8 |
| London | 7 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 02/12/2025 | WEST POINT CONSTRUCTION | 34.3 yrs | Midlands | Building construction | Nov-2024, Turnover: £89.6m, Trade Debtors: £2.7m, Debts: £5.8m |
| 22/12/2025 | SINEWAVE ENERGY | 10.6 yrs | South West | Civil engineering | May-2025, Turnover: £30.1m, Trade Debtors: £4.9m, Net Assets: £2.9m, Staff: 82 |
| 18/12/2025 | DALBY HOLDINGS LIMITED | 30.3 yrs | East Midlands | Head offices & consultancy | Mar-2025, Turnover: £12.8m, Trade Debtors: £2.7m, Debts: £3.3m, Net Assets: £2.8m |
| 18/12/2025 | HARRY DALBY ENGINEERING | 40.4 yrs | East Midlands | Machinery & equipment | Mar-2025, Turnover: £7.8m, Trade Debtors: £1.4m, Debts: £412k, Other debts: £412k |
| 05/12/2025 | WADDELL LIMITED | 30.7 yrs | London | - | Dec-2024, Turnover: £16.1m, Trade Debtors: £1.4m, Net Assets: £-2.7m, Staff: 85 |
| 10/12/2025 | W.T. TRANSPORT LTD | 12 yrs | East of England | Land transport & logistics | Dec-2024, Turnover: £11.1m, Trade Debtors: £2.4m, Debts: £3.1m, Net Assets: £677k |
| 08/12/2025 | WE POWER YOUR CAR LTD | 6.1 yrs | Yorkshire / | Retail trade | May-2025, Trade Debtors: £499k, Net Assets: £-346k, Staff: 65, Est PBT: £-1.6m |
| 15/12/2025 | PHAZE RECRUITMENT LTD | 4.7 yrs | East of England | Office & business support | Mar-2025, Trade Debtors: £52k, Debts: £44k, Net Assets: £3k, Staff: 43, Est PBT: £0k |
| 03/12/2025 | RAINFORDS (LONGRIDGE) | 23.8 yrs | North West | Agriculture | Apr-2025, Trade Debtors: £60k, Net Assets: £9k, Staff: 41, Est PBT: £-57k |
| 08/12/2025 | WE POWER HOLDINGS LTD | 5.4 yrs | Yorkshire / | Repair / installation | May-2025, Net Assets: £3.1m, Staff: 1, Est PBT: £-239k |