High Street IF
May 2025
1st in cohort
Lloyds Commercial Finance
May 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 1st.
May 2025 Debenture Activity
Year-over-year comparison of debenture registrations for May 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 47 | 41 | 49 | 37 | -32% |
Borrower Profile
Average borrower characteristics compared to cohort for May 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 4 |
| Specialist construction | 4 |
| Financial services | 3 |
| Employment services | 3 |
| Personal services | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 9 |
| Scotland | 5 |
| Midlands | 5 |
| East of England | 4 |
| North East | 4 |
Notable New Debentures
Significant new debenture registrations in May 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 01/05/2025 | BALDWINS CRANE HIRE | 22.5 yrs | South East | Specialist construction | Mar-2025, Turnover: £18.8m, Trade Debtors: £3.2m, Debts: £24.8m |
| 01/05/2025 | BALDWINS GROUP LIMITED | 8.9 yrs | South East | Financial services | Mar-2025, Turnover: £18.6m, Trade Debtors: £3.2m, Debts: £24.8m |
| 19/05/2025 | MISWA CHEMICALS LIMITED | 43.8 yrs | East of England | Chemicals | Mar-2025, Turnover: £19.2m, Trade Debtors: £7.0m, Debts: £5.7m, Net Assets: £7.9m |
| 19/05/2025 | BELL & BAIN (HOLDINGS) | 13.1 yrs | Scotland | Paper products | Dec-2024, Turnover: £31.1m, Trade Debtors: £3.8m, Debts: £15.9m, Other debts: £3k |
| 29/05/2025 | KAMES FISH FARMING LIMITED | 52.8 yrs | Scotland | Fishing & aquaculture | Jan-2025, Turnover: £14.8m, Trade Debtors: £1.2m, Debts: £2.8m, Net Assets: £5.9m |
| 16/05/2025 | BELL & BAIN LIMITED | 125.4 yrs | Scotland | Manufacturing (other) | Dec-2024, Turnover: £19.7m, Trade Debtors: £2.5m, Debts: £12.5m, Other debts: £3k |
| 19/05/2025 | J. THOMSON COLOUR | 72.4 yrs | Scotland | Printing & media reproduction | Dec-2024, Turnover: £12.0m, Trade Debtors: £1.3m, Debts: £3.4m, Net Assets: £5.5m |
| 19/05/2025 | TICCO FOODS LIMITED | 30.6 yrs | South East | - | Dec-2024, Trade Debtors: £1.8m, Other debts: £400k, Net Assets: £-1.7m, Staff: 23 |
| 09/05/2025 | MODERN PACKAGING (UK) | 34.5 yrs | Midlands | Printing & media reproduction | Dec-2024, Trade Debtors: £1.6m, Debts: £1.6m, Net Assets: £878k, Est PBT: £2k |
| 23/05/2025 | SMART BODYSHOP LIMITED | 12.7 yrs | South East | Wholesale & retail trade | Dec-2024, Trade Debtors: £618k, Debts: £342k, Net Assets: £128k, Staff: 48 |