ABL + Invoice Finance
September 2025
5th in cohort
Optimum SME Finance
September 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 5th.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 9 | 6 | 13 | 26 | +50% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 9.3 | £66k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Land transport & logistics | 13 |
| Head offices & consultancy | 3 |
| Wholesale trade | 3 |
| Personal services | 1 |
| Architecture & engineering | 1 |
Top Regions
| Region | Count |
|---|---|
| East Midlands | 7 |
| South East | 5 |
| Yorkshire / Humber | 3 |
| North West | 2 |
| South West | 2 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 30/09/2025 | TAKE ME HOLDINGS LTD | 6.6 yrs | East Midlands | Land transport & logistics | Dec-2024, Turnover: £19.4m, Trade Debtors: £1.6m, Debts: £5.8m, Other debts: £1.4m |
| 30/09/2025 | STATION TAXIS (MALTON) LTD | 6.1 yrs | Yorkshire / | Land transport & logistics | Dec-2024, Trade Debtors: £13k, Debts: £97k, Net Assets: £417k, Staff: 43 |
| 30/09/2025 | UNITED TRAVEL GROUP | 53.4 yrs | East of England | Land transport & logistics | Dec-2024, Trade Debtors: £12k, Debts: £63k, Other debts: £871k, Net Assets: £4.5m |
| 30/09/2025 | TAKE ME ( PLYMOUTH ) LTD | 3.9 yrs | South West | Land transport & logistics | Dec-2024, Trade Debtors: £55k, Debts: £449k, Net Assets: £750k, Staff: 33 |
| 26/09/2025 | THE FRESH PASTA COMPANY | 15.4 yrs | London | Food manufacturing | Dec-2024, Trade Debtors: £442k, Debts: £264k, Other debts: £1.8m |
| 30/09/2025 | TAKE ME DARLINGTON LTD | 40.8 yrs | North East | Land transport & logistics | Dec-2024, Debts: £534k, Net Assets: £51k, Staff: 27, Est PBT: £23k |
| 30/09/2025 | VICTORIA GOSDEN TRAVEL LTD | 19.6 yrs | South East | Land transport & logistics | Dec-2024, Trade Debtors: £123k, Debts: £186k, Net Assets: £693k, Staff: 21 |
| 02/09/2025 | STRATEGIC FIRE PROTECTION | 2.6 yrs | Yorkshire / | Specialist construction | Jul-2024, Trade Debtors: £316k, Net Assets: £157k, Staff: 19, Est PBT: £132k |
| 30/09/2025 | HC MOBILITY SERVICES LTD | 5.8 yrs | East Midlands | Land transport & logistics | Dec-2024, Net Assets: £-138k, Staff: 14, Est PBT: £31k |
| 30/09/2025 | HC VEHICLES LTD | 30.8 yrs | Midlands | - | Dec-2024, Trade Debtors: £5k, Debts: £310k, Net Assets: £-383k, Staff: 12 |