High Street IF
August 2025
2nd in cohort
Lloyds Commercial Finance
August 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 2nd.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 41 | 26 | 43 | 32 | -34% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 4 |
| Specialist construction | 4 |
| Wholesale trade | 3 |
| Architecture & engineering | 3 |
| Land transport & logistics | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| Scotland | 5 |
| London | 4 |
| Midlands | 4 |
| North West | 3 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 26/08/2025 | JK THOMSON LLP | 1.5 yrs | Scotland | Unknown | Mar-2025, Turnover: £24.8m, Trade Debtors: £2.2m, Debts: £1.1m, Net Assets: £4.1m |
| 13/08/2025 | HEMSEC MANUFACTURING | 40.7 yrs | North West | Manufacturing (other) | Dec-2023, Turnover: £17.3m, Trade Debtors: £1.5m, Debts: £1.2m, Other debts: £273k |
| 13/08/2025 | C.HEMMINGS & CO. LIMITED | 67.6 yrs | North West | Financial services | Dec-2023, Turnover: £17.3m, Trade Debtors: £1.5m, Debts: £1.2m, Net Assets: £4.1m |
| 11/08/2025 | NEW LINK CONSULTING LLP | 13.8 yrs | South East | Unknown | Mar-2025, Turnover: £16.8m, Trade Debtors: £161k, Net Assets: £1.6m, Staff: 93 |
| 26/08/2025 | ELECTRIC MOBILITY EURO | 36 yrs | Scotland | Wholesale trade | Dec-2024, Turnover: £15.5m, Trade Debtors: £2.4m, Debts: £3.3m, Net Assets: £3.5m |
| 26/08/2025 | T. J. REFRIGERATION LIMITED | 31.6 yrs | North West | Specialist construction | May-2024, Trade Debtors: £1.0m, Debts: £49k, Net Assets: £3.3m, Staff: 52 |
| 04/08/2025 | KINCARDINE MANUFACTURING | 23.6 yrs | Scotland | - | Dec-2024, Trade Debtors: £896k, Debts: £882k, Net Assets: £1.7m, Staff: 45 |
| 26/08/2025 | PORTER & WOODMAN GIFTS | 24.6 yrs | Midlands | Retail trade | Jan-2025, Trade Debtors: £205k, Debts: £6k, Other debts: £43k, Net Assets: £530k |
| 12/08/2025 | FLEXPRESS LIMITED | 25.9 yrs | East of England | - | Dec-2024, Trade Debtors: £267k, Debts: £1.5m, Net Assets: £384k, Staff: 25 |
| 04/08/2025 | T M C HAULAGE LIMITED | 45 yrs | South East | Land transport & logistics | Sep-2025, Trade Debtors: £971k, Net Assets: £704k, Staff: 30, Est PBT: £-66k |