High Street IF
December 2025
2nd in cohort
HSBC Invoice Finance
December 2025 debenture analysis for HSBC Invoice Finance. High Street IF cohort, ranked 2nd.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 11 | 18 | 25 | +28% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| HSBC Invoice Finance | 23.8 | £10.3m |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 8 |
| Office & business support | 2 |
| Furniture manufacturing | 2 |
| Employment services | 2 |
| Retail trade | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 6 |
| London | 5 |
| North West | 4 |
| Wales | 3 |
| Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 23/12/2025 | FIC SHARECO LIMITED | 21.9 yrs | North West | Retail trade | Dec-2024, Turnover: £623.3m, Trade Debtors: £40.4m, Debts: £267.9m |
| 08/12/2025 | PARK CAKES LIMITED | 19.1 yrs | North West | Food manufacturing | Mar-2025, Turnover: £249.4m, Trade Debtors: £11.5m, Debts: £9.2m |
| 04/12/2025 | MINERVA GLOBAL LIMITED | 10.7 yrs | South East | - | Dec-2024, Turnover: £186.2m, Trade Debtors: £22.4m, Other debts: £6.5m |
| 18/12/2025 | GEORGE ABRAHAMS LIMITED | 35.6 yrs | London | - | Dec-2024, Turnover: £32.5m, Trade Debtors: £3.9m, Debts: £750k, Other debts: £269k |
| 24/12/2025 | ON DIRECT BUSINESS | 23 yrs | South West | - | Jun-2025, Trade Debtors: £3.5m, Other debts: £10.6m, Net Assets: £-14.4m, Staff: 147 |
| 23/12/2025 | THE CONSULTING | 24.9 yrs | London | Financial support services | Jun-2025, Turnover: £26.2m, Trade Debtors: £4.6m, Debts: £1.6m, Net Assets: £1.3m |
| 24/12/2025 | LUXURIOUS PERSONAL CARE | 6.8 yrs | South East | Paper products | Jul-2024, Turnover: £20.8m, Trade Debtors: £1.8m, Net Assets: £3.5m, Staff: 14 |
| 09/12/2025 | CONTRACTS CONSULTANCY | 44 yrs | London | Mining support services | Dec-2024, Trade Debtors: £2.7m, Debts: £193k, Net Assets: £2.4m, Staff: 12 |
| 23/12/2025 | MOMENTA INTERIM | 12.7 yrs | London | - | Jun-2025, Turnover: £3.8m, Trade Debtors: £1.7m, Net Assets: £471k, Staff: 77 |
| 04/12/2025 | PWE RECRUITMENT GROUP | 42.8 yrs | East of England | Employment services | Mar-2025, Trade Debtors: £2.0m, Net Assets: £426k, Staff: 8, Est PBT: £-62k |