High Street IF
September 2025
3rd in cohort
Lloyds Commercial Finance
September 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 3rd.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 40 | 27 | 43 | 27 | -59% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Office & business support | 4 |
| Employment services | 2 |
| Property & facilities services | 2 |
| Wholesale trade | 2 |
| Financial services | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 7 |
| Yorkshire / Humber | 5 |
| London | 4 |
| North West | 3 |
| Scotland | 2 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 25/09/2025 | CARE CIRCLE LTD | 5 yrs | East of England | - | Sep-2024, Trade Debtors: £348k, Debts: £36k, Net Assets: £385k, Staff: 220 |
| 01/09/2025 | GEOTECHNICAL ENGINEERING | 64 yrs | South West | Specialist construction | Oct-2024, Turnover: £18.7m, Trade Debtors: £2.6m, Debts: £1.8m, Net Assets: £4.1m |
| 25/09/2025 | TREASURE HOUSE LIMITED | 40.5 yrs | London | Manufacturing (other) | Jun-2024, Turnover: £12.5m, Trade Debtors: £929k, Debts: £2.1m, Net Assets: £8.7m |
| 16/09/2025 | INTERNATIONAL PIPELINE | 40.9 yrs | Yorkshire / | Rubber & plastics | Dec-2024, Trade Debtors: £1.2m, Net Assets: £2.9m, Staff: 71, Est PBT: £81k |
| 25/09/2025 | PHILIP LIVERTON LIMITED | 19.5 yrs | South East | - | Apr-2025, Trade Debtors: £676k, Debts: £3.0m, Net Assets: £3.1m, Staff: 29 |
| 01/09/2025 | INTERLINKED LTD | 11.2 yrs | South East | - | Dec-2024, Trade Debtors: £1.9m, Debts: £137k, Net Assets: £1.6m, Staff: 10 |
| 04/09/2025 | IDENTITY FURNITURE LIMITED | 22.8 yrs | North West | - | Dec-2024, Trade Debtors: £622k, Debts: £192k, Net Assets: £747k, Staff: 44 |
| 24/09/2025 | ABBEY TOOL AND GAUGE | 10.6 yrs | Scotland | - | Dec-2024, Trade Debtors: £597k, Debts: £256k, Net Assets: £1.4m, Staff: 35 |
| 01/09/2025 | PRECISION MICRODRIVES LTD. | 21.3 yrs | London | - | Dec-2024, Trade Debtors: £942k, Debts: £1.4m, Net Assets: £2.0m, Staff: 10 |
| 04/09/2025 | CADMUS DISTRIBUTION | 7.7 yrs | South East | - | Dec-2024, Trade Debtors: £424k, Debts: £145k, Net Assets: £1.2m, Staff: 29 |