High Street Bank
January 2026
2nd in cohort
Natwest
January 2026 debenture analysis for Natwest. High Street Bank cohort, ranked 2nd.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 282 | 326 | 281 | 428 | +147 | +52% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Natwest | 12.4 | £10.4m |
| Cohort average | 11.3 | £8.9m |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 89 |
| Financial services | 54 |
| Building construction | 29 |
| Food & beverage services | 27 |
| Residential care | 23 |
Top Regions
| Region | Count |
|---|---|
| South East | 94 |
| South West | 65 |
| London | 47 |
| North West | 45 |
| Midlands | 44 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 12/01/2026 | OCTOPUS ENERGY GROUP | 10.4 yrs | London | Financial services | Apr-2025, Turnover: £13682.8m, Trade Debtors: £2427.2m, Debts: £505.9m |
| 14/01/2026 | CLOWES DEVELOPMENTS (UK) | 61.3 yrs | Midlands | Real estate | Mar-2025, Turnover: £147.1m, Trade Debtors: £13.4m, Debts: £40.0m |
| 30/01/2026 | ARDMORE GROUP LIMITED | 9.4 yrs | London | Building construction | Sep-2024, Turnover: £345.9m, Trade Debtors: £61.4m, Net Assets: £23.4m, Staff: 638 |
| 30/01/2026 | ARDMORE CONSTRUCTION | 6.9 yrs | London | - | Sep-2024, Turnover: £343.8m, Trade Debtors: £61.1m, Net Assets: £-28.1m, Staff: 541 |
| 29/01/2026 | TOWN CENTRE SECURITIES PLC | 66.9 yrs | Yorkshire / | Real estate | Jun-2025, Turnover: £32.7m, Trade Debtors: £1.7m, Debts: £157.9m |
| 12/01/2026 | KRAKEN TECHNOLOGIES | 6.6 yrs | London | IT programming / consulting | Jan-2025, Turnover: £163.8m, Trade Debtors: £19.3m, Debts: £14.1m |
| 27/01/2026 | THE MILL HILL SCHOOL | 28.5 yrs | London | Education | Aug-2024, Turnover: £98.4m, Debts: £8.1m, Other debts: £680k, Net Assets: £95.9m |
| 27/01/2026 | VALLEY RAIL PARTNERSHIP | 7.1 yrs | London | Unknown | Mar-2025, Debts: £157.5m, Other debts: £20.1m, Net Assets: £7.0m |
| 21/01/2026 | MORRIS & SPOTTISWOOD | 57.1 yrs | Scotland | - | Dec-2024, Turnover: £172.5m, Trade Debtors: £29.1m, Debts: £1.5m, Net Assets: £14.1m |
| 28/01/2026 | THE SHLOMO MEMORIAL FUND | 47.3 yrs | London | Personal services | Sep-2024, Turnover: £10.2m, Trade Debtors: £2.7m, Debts: £67.6m |