High Street Bank
December 2025
1st in cohort
Lloyds Bank
December 2025 debenture analysis for Lloyds Bank. High Street Bank cohort, ranked 1st.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 368 | 354 | 393 | 846 | +54% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Bank | 11.4 | £10.3m |
| Cohort average | 12.2 | £13.5m |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 492 |
| Retail trade | 63 |
| Financial services | 46 |
| Financial services | 46 |
| Building construction | 31 |
Top Regions
| Region | Count |
|---|---|
| South East | 177 |
| London | 169 |
| North West | 92 |
| North West | 92 |
| Scotland | 66 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/12/2025 | ROTHESAY LIFE PLC | 18.8 yrs | London | Insurance & pensions | Dec-2024, Turnover: £696.0m, Trade Debtors: £302.0m, Debts: £2616.0m |
| 22/12/2025 | AIRTANKER LIMITED | 18.5 yrs | London | Office & business support | Dec-2024, Turnover: £570.4m, Other debts: £38.9m, Net Assets: £115.5m |
| 22/12/2025 | HILL RESIDENTIAL LIMITED | 24.4 yrs | South East | Real estate | Mar-2025, Turnover: £493.1m, Trade Debtors: £14.1m, Net Assets: £337.8m, Staff: 178 |
| 01/12/2025 | VPI GENERATION LIMITED | 8.9 yrs | London | Financial services | Dec-2024, Trade Debtors: £23k, Debts: £149.9m, Net Assets: £532.1m |
| 10/12/2025 | CANTERBURY CHRIST CHURCH | 22.5 yrs | South East | Education | Jul-2025, Turnover: £356.7m, Trade Debtors: £116.2m, Debts: £3.6m |
| 18/12/2025 | LOW CARBON SOLAR | 3.7 yrs | London | Utilities | Dec-2024, Debts: £394.1m, Net Assets: £21.9m, Est PBT: £6.8m |
| 29/12/2025 | WELCOME BREAK GROUP | 29.9 yrs | South East | Retail trade | Dec-2024, Turnover: £304.3m, Trade Debtors: £15.6m, Debts: £367.2m |
| 11/12/2025 | THE PRS REIT (SW II) HOLDING | 6.5 yrs | London | Real estate | Jun-2025, Turnover: £23.5m, Trade Debtors: £386k, Debts: £148.5m |
| 29/12/2025 | WELCOME BREAK LIMITED | 42.5 yrs | South East | Retail trade | Dec-2024, Turnover: £484.1m, Other debts: £7.0m, Net Assets: £129.3m, Staff: 2707 |
| 11/12/2025 | THE PRS REIT (SW) HOLDING | 7.5 yrs | London | Real estate | Jun-2025, Turnover: £17.0m, Trade Debtors: £249k, Debts: £100.4m |