ABL + Invoice Finance
October 2025
11th in cohort
Optimum SME Finance
October 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 11th.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 10 | 4 | 12 | 17 | +29% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 9.3 | £66k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Human health | 3 |
| Wholesale trade | 3 |
| Land transport & logistics | 2 |
| Property & facilities services | 2 |
| Employment services | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 10 |
| London | 3 |
| North West | 2 |
| Midlands | 1 |
| East Midlands | 1 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 14/10/2025 | ICARE HEALTHCARE LIMITED | 12.2 yrs | South East | Human health | Jun-2025, Net Assets: £-51k, Staff: 40, Est PBT: £-136k |
| 27/10/2025 | INNOVARO TECHNOLOGY LTD | 5.7 yrs | South East | Wholesale trade | Sep-2025, Trade Debtors: £698k, Net Assets: £-987k, Staff: 35, Est PBT: £-822k |
| 29/10/2025 | ASHADALE LIMITED | 41.7 yrs | London | Wholesale trade | Jun-2024, Trade Debtors: £998k, Debts: £602k, Net Assets: £1.6m, Staff: 14 |
| 10/10/2025 | CENTURY RECRUITMENT LTD | 14.2 yrs | South East | Employment services | Mar-2025, Trade Debtors: £136k, Debts: £145k, Net Assets: £1.3m, Staff: 27 |
| 21/10/2025 | ACET CIRCULAR SOLUTIONS | 4.3 yrs | London | Property & facilities services | Jul-2024, Trade Debtors: £5k, Other debts: £1.0m, Net Assets: £-746k, Staff: 23 |
| 06/10/2025 | A O M L PACKAGING LIMITED | 20.6 yrs | Midlands | - | Mar-2025, Trade Debtors: £419k, Debts: £151k, Net Assets: £-17k, Staff: 15 |
| 09/10/2025 | OLIVERS COMMERCIAL & | 2.6 yrs | North West | Property & facilities services | Feb-2025, Trade Debtors: £12k, Net Assets: £0k, Staff: 14, Est PBT: £6k |
| 21/10/2025 | PATHWAYS OF HOPE LIMITED | 8.4 yrs | South East | Employment services | May-2025, Net Assets: £178k, Staff: 9, Est PBT: £41k |
| 13/10/2025 | CROWN CARS (RHOS) LIMITED | 2.4 yrs | East Midlands | Land transport & logistics | Dec-2024, Debts: £12k, Net Assets: £-105k, Staff: 8, Est PBT: £-97k |
| 01/10/2025 | T&T CARS LTD | 4.6 yrs | South East | Land transport & logistics | Mar-2024, Trade Debtors: £100k, Debts: £215k, Net Assets: £134k, Staff: 8 |