High Street Bank
October 2025
2nd in cohort
Lloyds Bank
October 2025 debenture analysis for Lloyds Bank. High Street Bank cohort, ranked 2nd.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 382 | 349 | 453 | 626 | +28% |
Borrower Profile
Average borrower characteristics compared to cohort for October 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 | 262 |
| Retail trade | 52 |
| Financial services | 45 |
| Building construction | 36 |
| Human health | 35 |
Top Regions
| Region | Count |
|---|---|
| South East | 142 |
| London | 91 |
| South West | 69 |
| North West | 67 |
| Midlands | 62 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 03/10/2025 | WELCOME BREAK HOLDINGS | 24.9 yrs | South East | Financial services | Dec-2024, Turnover: £928.7m, Trade Debtors: £15.6m, Debts: £367.2m |
| 07/10/2025 | WELCOME BREAK GROUP | 29.7 yrs | South East | Retail trade | Dec-2024, Turnover: £304.3m, Trade Debtors: £15.6m, Debts: £367.2m |
| 28/10/2025 | WAIN GROUP LIMITED | 20.3 yrs | North West | Financial services | Sep-2024, Turnover: £277.7m, Trade Debtors: £19.8m, Debts: £5.0m |
| 01/10/2025 | THE GIBSON ONEILL COMPANY | 30.9 yrs | North East | Head offices & consultancy | Jun-2025, Turnover: £248.9m, Trade Debtors: £35.5m, Debts: £156.9m |
| 24/10/2025 | WAIN HOMES LIMITED | 24.6 yrs | North West | Building construction | Sep-2024, Turnover: £255.2m, Trade Debtors: £2.3m, Debts: £5.0m |
| 01/10/2025 | BULKHAUL LIMITED | 43.8 yrs | North East | Land transport & logistics | Jun-2024, Turnover: £190.0m, Trade Debtors: £35.7m, Debts: £139.4m |
| 06/10/2025 | HOLMAN LEASING LIMITED | 11.1 yrs | South West | Financial services | Dec-2024, Turnover: £24.6m, Trade Debtors: £4.5m, Debts: £180.0m |
| 03/10/2025 | CINVEN LIMITED | 37.9 yrs | London | - | Dec-2024, Turnover: £326.2m, Trade Debtors: £9.8m, Net Assets: £104.6m, Staff: 187 |
| 06/10/2025 | A.J. AND R.G.BARBER LIMITED | 70.3 yrs | South West | Agriculture | Mar-2025, Turnover: £194.7m, Trade Debtors: £30.4m, Debts: £29.6m |
| 08/10/2025 | FORELLE GROUP LIMITED | 7.7 yrs | South West | Head offices & consultancy | Jan-2025, Turnover: £42.7m, Trade Debtors: £242k, Debts: £67.6m |