Asset Finance
December 2025
1st in cohort
Lombard
December 2025 debenture analysis for Lombard. Asset Finance cohort, ranked 1st.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 11 | 15 | 14 | 12 | -17% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lombard | 22.9 | £21.6m |
| Cohort average | 13.5 | £6.9m |
Top Sectors
| Sector | Count |
|---|---|
| Rental & leasing | 2 |
| Repair / installation | 2 |
| Financial services | 1 |
| Utilities | 1 |
| Publishing | 1 |
Top Regions
| Region | Count |
|---|---|
| South West | 2 |
| North West | 2 |
| London | 2 |
| Midlands | 2 |
| South East | 2 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 29/12/2025 | SANTANDER CONSUMER (UK) | 37.7 yrs | South East | Financial services | Dec-2024, Turnover: £698.2m, Trade Debtors: £51.3m, Debts: £5514.5m |
| 02/12/2025 | SUNSEEKER LONDON LIMITED | 32 yrs | London | Wholesale trade | Dec-2024, Turnover: £246.1m, Trade Debtors: £1.8m, Debts: £105.8m |
| 11/12/2025 | BLACKPOOL PLEASURE BEACH | 40.9 yrs | North West | Sports & recreation | Mar-2024, Turnover: £32.1m, Trade Debtors: £418k, Debts: £16.7m |
| 01/12/2025 | SALES ASSISTANCE LIMITED | 23.4 yrs | East Midlands | Wholesale & retail trade | Jul-2024, Turnover: £113.8m, Trade Debtors: £31k, Debts: £3.2m, Other debts: £16.5m |
| 01/12/2025 | ARGO NAUTICAL LIMITED | 61 yrs | Midlands | Water transport | Dec-2024, Turnover: £91.1m, Trade Debtors: £1.0m, Net Assets: £25.6m, Staff: 118 |
| 30/12/2025 | CASTLE AIR LIMITED | 29.7 yrs | South West | Repair / installation | Nov-2024, Turnover: £34.2m, Trade Debtors: £7.6m, Debts: £16.4m |
| 16/12/2025 | BOATCO UK LTD | 11.2 yrs | South East | Repair / installation | Jun-2024, Turnover: £18.5m, Trade Debtors: £3.9m, Other debts: £1.6m |
| 18/12/2025 | DANFORDS (CONSTRUCTION | 15.4 yrs | Midlands | Automotive manufacturing | Sep-2024, Turnover: £17.0m, Trade Debtors: £1.1m, Debts: £303k, Net Assets: £4.4m |
| 22/12/2025 | BROOKE ENERGY | 9.6 yrs | South West | Utilities | Mar-2025, Debts: £12k, Net Assets: £625k, Staff: 43 |
| 04/12/2025 | ENTERPRISE CHARTERS | 5.2 yrs | Scotland | Rental & leasing | Sep-2024, Net Assets: £-1.2m, Staff: 2, Est PBT: £-489k |