High Street IF
October 2025
2nd in cohort
Lloyds Commercial Finance
October 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 2nd.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 37 | 49 | 70 | 29 | -141% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Specialist construction | 3 |
| Beverage manufacturing | 2 |
| Fabricated metal products | 2 |
| Wholesale trade | 2 |
| Office & business support | 2 |
Top Regions
| Region | Count |
|---|---|
| London | 6 |
| North West | 5 |
| North East | 5 |
| South East | 4 |
| Scotland | 3 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 14/10/2025 | SAFELINCS LIMITED | 22.5 yrs | Scotland | Fabricated metal products | Mar-2025, Turnover: £24.0m, Trade Debtors: £1.2m, Debts: £461k, Net Assets: £4.1m |
| 31/10/2025 | LITECAST LIMITED | 27.2 yrs | Midlands | Non-metallic minerals | Aug-2024, Turnover: £10.2m, Trade Debtors: £1.5m, Debts: £9.2m, Net Assets: £3.7m |
| 31/10/2025 | GUEST INVESTMENTS LTD | 27 yrs | North West | Office & business support | Sep-2024, Turnover: £16.9m, Trade Debtors: £3.2m, Debts: £5.5m, Other debts: £1.2m |
| 06/10/2025 | BISHOPS SERVICES LIMITED | 36.2 yrs | South East | Specialist construction | Mar-2025, Trade Debtors: £174k, Debts: £26k, Net Assets: £110k, Staff: 73 |
| 03/10/2025 | CTE ADVANCED | 19.5 yrs | South East | - | Apr-2025, Trade Debtors: £508k, Debts: £73k, Net Assets: £1.1m, Staff: 59 |
| 28/10/2025 | ONE CARE SOLUTION LTD | 6.8 yrs | North East | Human health | Jan-2025, Debts: £53k, Net Assets: £-37k, Staff: 45, Est PBT: £-36k |
| 28/10/2025 | RJM ELITE BUILDING LIMITED | 14.4 yrs | East of England | Building construction | May-2024, Trade Debtors: £648k, Debts: £685k, Net Assets: £388k, Staff: 35 |
| 06/10/2025 | UTILIKO LIMITED | 8.1 yrs | North West | Office & business support | Sep-2024, Debts: £650k, Other debts: £767k, Net Assets: £529k, Staff: 30 |
| 07/10/2025 | ARMSTRONG BUILDING AND | 9.6 yrs | North West | Specialist construction | Mar-2025, Debts: £230k, Net Assets: £797k, Staff: 29, Est PBT: £159k |
| 14/10/2025 | NORTH SEA ENERGY SERVICES | 8.3 yrs | Scotland | Repair / installation | Sep-2024, Net Assets: £543k, Staff: 26, Est PBT: £-50k |