High Street IF
January 2025
1st in cohort
Lloyds Commercial Finance
January 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 1st.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 21 | 32 | 26 | 46 | +43% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 12 | £457k |
| Cohort average | 16.1 | £1.1m |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 8 |
| Wholesale trade | 5 |
| Employment services | 4 |
| Land transport & logistics | 4 |
| Retail trade | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 12 |
| East of England | 7 |
| Yorkshire / Humber | 6 |
| London | 6 |
| South West | 4 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 22/01/2025 | SUPREME FACILITIES LTD | 2.6 yrs | London | Accommodation | Jun-2025, Trade Debtors: £5.4m, Net Assets: £934k, Staff: 575, Est PBT: £763k |
| 28/01/2025 | ICHIBAN UK LIMITED | 11.2 yrs | East of England | Food manufacturing | Sep-2024, Turnover: £29.6m, Trade Debtors: £2.2m, Debts: £1.6m, Net Assets: £1.2m, Staff: 342, Est PBT: £-1.8m |
| 22/01/2025 | FORD CE LIMITED | 4.4 yrs | South West | Financial services | Dec-2024, Turnover: £25.8m, Trade Debtors: £3.4m, Debts: £2.0m, Other debts: £781k, Net Assets: £5.0m, Staff: 118, Est PBT: £-589k |
| 10/01/2025 | KERSEY FREIGHT LIMITED | 21.1 yrs | East of England | Land transport & logistics | Dec-2024, Turnover: £21.7m, Trade Debtors: £3.7m, Debts: £7.4m, Net Assets: £4.0m, Staff: 110, Est PBT: £159k |
| 24/01/2025 | VEGETARIAN EXPRESS LIMITED | 31.9 yrs | South East | Wholesale trade | Mar-2025, Turnover: £21.8m, Trade Debtors: £1.9m, Debts: £1.0m, Net Assets: £2.0m, Staff: 126, Est PBT: £695k |
| 24/01/2025 | LOGISTIC MANAGEMENT FREIGHT SERVICES LTD | 8.8 yrs | East of England | Financial services | Dec-2024, Turnover: £13.3m, Trade Debtors: £2.3m, Debts: £3.1m, Other debts: £1.3m, Net Assets: £1.9m, Staff: 102, Est PBT: £-47k |
| 24/01/2025 | VEL GROUP TOPCO LIMITED | 1.1 yrs | South East | Financial services | Mar-2025, Trade Debtors: £1.9m, Debts: £1.0m, Other debts: £16.1m, Net Assets: £500k, Est PBT: £-3.6m |
| 24/01/2025 | VEGETARIAN EXPRESS TOPCO LIMITED | 8.5 yrs | South East | Financial services | Mar-2025, Net Assets: £22k, Staff: 2 |
| 24/01/2025 | VEL GROUP BIDCO LIMITED | 1.1 yrs | South East | Financial services | Mar-2025, Net Assets: £-3.1m, Staff: 5, Est PBT: £-2.4m |
| 24/01/2025 | VEGETARIAN EXPRESS BIDCO LIMITED | 8.5 yrs | South East | Financial services | Mar-2025, Net Assets: £-4.2m, Staff: 2, Est PBT: £0k |