ABL + Invoice Finance January 2026 8th in cohort

Optimum SME Finance

January 2026 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 8th.

January 2026 Debenture Activity

Year-over-year comparison of debenture registrations for January 2026

Year 2023202420252026 Chg YoY
Debentures 791316 +3 +23%

Borrower Profile

Average borrower characteristics compared to cohort for January 2026

Avg age (yrs)Avg net assets
Optimum SME Finance6.1£118k
Cohort average10.1£708k

Top Sectors

SectorCount
Land transport & logistics4
Consumer repairs2
Human health2
Wholesale trade1
Repair / installation1

Top Regions

RegionCount
South East4
London3
Wales2
East of England2
East Midlands2

Notable New Debentures

Significant new debenture registrations in January 2026

DateBusinessBus. ageRegionSectorFinancials
28/01/2026CARE AND TRUST LIMITED3.3 yrsEast MidlandsHuman healthOct-2024, Net Assets: £6k, Staff: 97, Est PBT: £6k
21/01/2026PHOENIX GRAY REC LIMITED2.7 yrsSouth EastEmployment servicesMay-2024, Trade Debtors: £979k, Debts: £177k, Net Assets: £2k, Staff: 3, Est PBT: £2k
09/01/2026N.E. EXPRESS LTD21.7 yrsNorth EastLand transport & logisticsDec-2024, Trade Debtors: £266k, Net Assets: £441k, Staff: 18, Est PBT: £-58k
09/01/2026CENTREX PRINT SERVICES LTD11.8 yrsEast of England-Jun-2024, Trade Debtors: £305k, Debts: £82k, Net Assets: £410k, Staff: 15
09/01/2026CENTREX GROUP SERVICES4.1 yrsSouth EastFinancial servicesDec-2024, Net Assets: £466k, Est PBT: £820k
09/01/2026LAKES CATERING23.3 yrsNorth WestRepair / installationDec-2024, Trade Debtors: £57k, Debts: £37k, Net Assets: £118k, Staff: 5, Est PBT: £8k
09/01/2026CRYSTAL CASH & CARRY5.3 yrsWalesWholesale tradeOct-2024, Debts: £102k, Net Assets: £33k, Staff: 3, Est PBT: £37k
09/01/2026JASARA PROPERTY LIMITED4.7 yrsWalesReal estateMay-2024, Net Assets: £27k
28/01/2026ELITE PLUS HEALTHCARE LTD2.4 yrsEast of EnglandHuman healthSep-2024, Net Assets: £8k, Est PBT: £0k
09/01/2026CENTREX SERVICES LTD3.7 yrsSouth EastConsumer repairsMay-2025, Net Assets: £0k

Other Monthly Reports

January 2025 February 2025 March 2025 April 2025 May 2025 June 2025 July 2025 August 2025 September 2025 October 2025 November 2025 December 2025 February 2026 March 2026
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