High Street IF
April 2025
2nd in cohort
Lloyds Commercial Finance
April 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 2nd.
April 2025 Debenture Activity
Year-over-year comparison of debenture registrations for April 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 61 | 46 | 64 | 49 | -31% |
Borrower Profile
Average borrower characteristics compared to cohort for April 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Employment services | 9 |
| Fabricated metal products | 5 |
| Financial services | 5 |
| IT programming / consulting | 4 |
| Wholesale trade | 3 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 11 |
| South East | 10 |
| South West | 5 |
| London | 5 |
| Wales | 4 |
Notable New Debentures
Significant new debenture registrations in April 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 10/04/2025 | CHERISH HOLDINGS LIMITED | 5.5 yrs | North West | Real estate | Jun-2024, Turnover: £21.0m, Trade Debtors: £1.3m, Debts: £2.0m, Net Assets: £4.5m |
| 10/04/2025 | MIDTHERM FLUE SYSTEMS LTD | 56.7 yrs | Midlands | - | Jun-2025, Trade Debtors: £863k, Debts: £155k, Net Assets: £3.7m, Staff: 130 |
| 17/04/2025 | WASHROOM-WASHROOM | 24.1 yrs | South East | Manufacturing (other) | Dec-2024, Turnover: £21.8m, Trade Debtors: £3.7m, Debts: £61k, Net Assets: £5.0m |
| 08/04/2025 | QDL CONTRACTORS LIMITED | 17.8 yrs | Wales | - | Nov-2024, Trade Debtors: £2.0m, Debts: £260k, Net Assets: £1.4m, Staff: 79 |
| 08/04/2025 | LUND BROS & CO LTD. | 41.5 yrs | South East | - | Sep-2024, Trade Debtors: £526k, Debts: £202k, Net Assets: £2.2m, Staff: 71 |
| 04/04/2025 | BSL-IT LTD | 8.7 yrs | East of England | IT programming / consulting | Dec-2025, Trade Debtors: £2.0m, Net Assets: £419k, Staff: 41, Est PBT: £505k |
| 01/04/2025 | DWG SCAFFOLDING & | 12.9 yrs | South East | Building construction | Mar-2025, Trade Debtors: £1.5m, Net Assets: £1.1m, Staff: 18, Est PBT: £-397k |
| 17/04/2025 | WASHROOM JOINERY LLP | 18.3 yrs | South East | Unknown | Dec-2024, Net Assets: £5k, Staff: 51, Est PBT: £-762k |
| 08/04/2025 | TECHNICAL SURFACES LIMITED | 26.7 yrs | East Midlands | - | Dec-2024, Trade Debtors: £726k, Debts: £454k, Net Assets: £1.7m, Staff: 50 |
| 25/04/2025 | PORTEOUS GROUNDWORKS | 4.3 yrs | South West | - | Dec-2024, Trade Debtors: £1.4m, Debts: £1.6m, Net Assets: £831k, Staff: 47 |