Property Specialist
October 2025
29th in cohort
Nationwide Finance
October 2025 debenture analysis for Nationwide Finance. Property Specialist cohort, ranked 29th.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 168 | 162 | 311 | 280 | -11% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Nationwide Finance | 4.7 | £4k |
| Cohort average | 4.3 | £503k |
Top Sectors
| Sector | Count |
|---|---|
| Retail trade | 4 |
| Real estate | 4 |
| Head offices & consultancy | 3 |
| Repair / installation | 2 |
| Specialist construction | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| Wales | 5 |
| London | 5 |
| North West | 5 |
| East of England | 5 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 21/10/2025 | PHEMACARE LTD | 14.8 yrs | Midlands | Office & business support | Dec-2024, Trade Debtors: £327k, Debts: £104k, Net Assets: £28k, Staff: 80 |
| 17/10/2025 | ADVANCE HOME CARE LTD | 13.6 yrs | London | Office & business support | Mar-2025, Trade Debtors: £89k, Debts: £290k, Net Assets: £44k, Staff: 65 |
| 17/10/2025 | SMERDON TREE SERVICES (STS) | 22 yrs | Wales | Forestry & logging | Mar-2025, Trade Debtors: £531k, Debts: £351k, Net Assets: £-2.1m, Staff: 29 |
| 01/10/2025 | POWERLINE TEMPORARY | 8.4 yrs | North West | Repair / installation | May-2024, Trade Debtors: £160k, Debts: £28k, Other debts: £112k, Net Assets: £374k |
| 17/10/2025 | SMERDON HOLDINGS LIMITED | 10.5 yrs | Wales | Head offices & consultancy | Mar-2025, Net Assets: £332k, Staff: 2, Est PBT: £-26k |
| 23/10/2025 | GEMM CARE LTD. | 10.5 yrs | South East | Residential care | May-2024, Net Assets: £22k, Staff: 7, Est PBT: £5k |
| 30/10/2025 | CHARTRENT LIMITED | 33.7 yrs | East of England | Wholesale trade | Dec-2024, Trade Debtors: £142k, Debts: £205k, Other debts: £24k, Net Assets: £-156k |
| 30/10/2025 | ZAK CAFE | 231 yrs | LTD 2.1 London | Food & beverage services | Sep-2024, Net Assets: £13k, Staff: 5, Est PBT: £17k |
| 30/10/2025 | K L NUTS BOLTS AND | 14 yrs | East of England | Wholesale trade | Dec-2024, Trade Debtors: £59k, Debts: £32k, Other debts: £21k, Net Assets: £-223k |
| 17/10/2025 | TWENTY ONE TWELVE | 5.1 yrs | Wales | Accommodation | Sep-2024, Net Assets: £400k, Staff: 1 |