ABL + Invoice Finance
December 2025
15th in cohort
Novuna
December 2025 debenture analysis for Novuna. ABL + Invoice Finance cohort, ranked 15th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 23 | 16 | 15 | 12 | -25% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Novuna | 9 | £695k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Employment services | 5 |
| Real estate | 1 |
| Retail trade | 1 |
| IT programming / consulting | 1 |
Top Regions
| Region | Count |
|---|---|
| Yorkshire / Humber | 4 |
| South East | 3 |
| London | 3 |
| Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 19/12/2025 | P & T INVESTMENTS LIMITED | 23.4 yrs | Yorkshire / | Real estate | Apr-2025, Debts: £1.5m, Net Assets: £2.3m, Staff: 1, Est PBT: £216k |
| 16/12/2025 | CURA TECHNOLOGY LTD | 2.4 yrs | Yorkshire / | IT programming / consulting | Dec-2024, Trade Debtors: £687k, Debts: £190k, Other debts: £235k, Net Assets: £1k |
| 15/12/2025 | NYKAYS RECRUITMENT | 10.7 yrs | London | Education | Mar-2025, Net Assets: £82k, Staff: 10, Est PBT: £2k |
| 15/12/2025 | DIRECT PERSONNEL | 18.7 yrs | Midlands | Employment services | Apr-2024, Trade Debtors: £220k, Debts: £192k, Other debts: £279k, Net Assets: £-27k |
| 19/12/2025 | TILE AND CERAMIC SOLUTIONS | 15.5 yrs | Yorkshire / | Retail trade | Jun-2024, Trade Debtors: £67k, Debts: £24k, Net Assets: £98k, Staff: 5, Est PBT: £-24k |
| 23/12/2025 | CROWN GRAPHIC SOLUTIONS | 16.8 yrs | Midlands | Manufacturing (other) | Feb-2025, Net Assets: £1k, Staff: 2 |
| 17/12/2025 | FORTA LTD | 2 yrs | Yorkshire / | Wholesale trade | Dec-2024, Trade Debtors: £47k, Net Assets: £117k, Staff: 1, Est PBT: £146k |
| 15/12/2025 | DRIVELIVE TRANSPORT | 2.8 yrs | London | Land transport & logistics | Feb-2025, Net Assets: £-27k, Staff: 1, Est PBT: £-2k |
| 24/12/2025 | GAIA GLOBAL LTD | 2.2 yrs | London | Employment services | Mar-2025, Trade Debtors: £14k, Net Assets: £0k, Est PBT: £0k |
| 22/12/2025 | CIERTI LTD | 0.1 yrs | South East 0 Employment services | - | - |