ABL + Invoice Finance
December 2025
17th in cohort
Optimum SME Finance
December 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 17th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 79 | 100 | 140 | 194 | +28% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 9.3 | £66k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 2 |
| Head offices & consultancy | 1 |
| Legal & accounting | 1 |
| Retail trade | 1 |
| Repair / installation | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 4 |
| London | 3 |
| South West | 1 |
| North West | 1 |
| North East | 1 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 29/12/2025 | MAKE AGENCY LIMITED | 12 yrs | London | Head offices & consultancy | Dec-2024, Trade Debtors: £684k, Debts: £30k, Net Assets: £307k, Staff: 29 |
| 02/12/2025 | ARIVATEX LIMITED | 22 yrs | North West | - | Mar-2025, Trade Debtors: £227k, Debts: £32k, Net Assets: £-145k, Staff: 22 |
| 30/12/2025 | HOME HEAT U.K LTD | 12.9 yrs | South East | Repair / installation | Feb-2025, Turnover: £970k, Trade Debtors: £88k, Net Assets: £175k, Staff: 5 |
| 22/12/2025 | NORTH EAST TRAFFIC | 7.6 yrs | North East | Civil engineering | Mar-2025, Trade Debtors: £80k, Debts: £56k, Net Assets: £39k, Staff: 5, Est PBT: £-2k |
| 01/12/2025 | FORM PRODUCTIONS LTD | 1.8 yrs | South East | Media production | Mar-2025, Trade Debtors: £88k, Debts: £45k, Net Assets: £-183k, Est PBT: £-203k |
| 30/12/2025 | KEYLIGHT ELECTRICAL LIMITED | 2.9 yrs | London | Specialist construction | Jan-2025, Net Assets: £19k, Staff: 1, Est PBT: £2k |
| 15/12/2025 | QA ADVISORY LIMITED | 2.9 yrs | South West | Financial services | Jan-2026, Net Assets: £4k, Staff: 1, Est PBT: £5k |
| 23/12/2025 | K - WOOD PROPERTIES LTD | 12.1 yrs | London | Real estate | Nov-2024, Net Assets: £3k, Est PBT: £2k |
| 30/12/2025 | ABBEY INVESTMENT GROUP | 1.7 yrs | South East | Financial services | Apr-2025, Net Assets: £0k |
| 01/12/2025 | FRIENDS CO.OP LTD | 2 yrs | South East | Retail trade | Nov-2024, Net Assets: £0k |