ABL + Invoice Finance
January 2025
10th in cohort
Optimum SME Finance
January 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 10th.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 6 | 7 | 9 | 13 | +31% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 5.7 | -£82k |
| Cohort average | 9.7 | £901k |
Top Sectors
| Sector | Count |
|---|---|
| Employment services | 2 |
| Specialist construction | 2 |
| Wholesale & retail trade | 1 |
| Architecture & engineering | 1 |
| Wholesale trade | 1 |
Top Regions
| Region | Count |
|---|---|
| London | 4 |
| South East | 2 |
| Midlands | 2 |
| East of England | 2 |
| East Midlands | 1 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/01/2025 | KEMP SERVICES LIMITED | 6.7 yrs | London | Office & business support | May-2024, Trade Debtors: £434k, Debts: £11k, Net Assets: £4k, Staff: 59, Est PBT: £4k |
| 15/01/2025 | REFORMATION LOGISTICS LTD | 4.5 yrs | North West | Land transport & logistics | Jan-2024, Trade Debtors: £347k, Debts: £897k, Net Assets: £238k, Staff: 32, Est PBT: £89k |
| 31/01/2025 | MATERIALS TESTING GROUP LIMITED | 15.3 yrs | Midlands | Specialist construction | Jun-2025, Net Assets: £29k, Staff: 17, Est PBT: £-210k |
| 24/01/2025 | G TECH INNOVATION LIMITED | 6.9 yrs | Midlands | IT programming / consulting | Sep-2024, Debts: £29k, Net Assets: £-299k, Staff: 13, Est PBT: £-392k |
| 08/01/2025 | VISION RECRUITMENT GROUP LIMITED | 8.5 yrs | East of England | Employment services | Jan-2025, Net Assets: £-248k, Staff: 9, Est PBT: £-310k |
| 23/01/2025 | FTSPOT LIMITED | 9.4 yrs | London | Wholesale trade | Aug-2024, Net Assets: £-683k, Staff: 9, Est PBT: £-574k |
| 31/01/2025 | FLEXCARGO LIMITED | 4.9 yrs | South East | Retail trade | Mar-2025, Trade Debtors: £180k, Net Assets: £2k, Staff: 3, Est PBT: £0k |
| 14/01/2025 | DOT DOT CREATIVE LTD | 4.4 yrs | London | Food manufacturing | Jul-2024, Net Assets: £-79k, Staff: 4, Est PBT: £-5k |
| 31/01/2025 | CO CONSULTANCY SERVICES LIMITED | 4.2 yrs | East Midlands | Architecture & engineering | Jun-2025, Net Assets: £1k, Staff: 1, Est PBT: £-4k |
| 08/01/2025 | HLP CONSULTING LTD | 5.9 yrs | East of England | Employment services | Mar-2025, Net Assets: £-32k, Staff: 2, Est PBT: £95k |