ABL + Invoice Finance
December 2025
13th in cohort
Paragon Business Finance
December 2025 debenture analysis for Paragon Business Finance. ABL + Invoice Finance cohort, ranked 13th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 5 | 8 | 3 | 13 | +77% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Paragon Business Finance | 11.1 | £1.2m |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Machinery & equipment | 2 |
| Architecture & engineering | 2 |
| Rental & leasing | 2 |
| IT programming / consulting | 2 |
| Office & business support | 1 |
Top Regions
| Region | Count |
|---|---|
| Yorkshire / Humber | 3 |
| Midlands | 3 |
| London | 2 |
| South West | 2 |
| Scotland | 1 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 03/12/2025 | OTTO CAR LIMITED | 12.7 yrs | London | IT programming / consulting | Mar-2024, Turnover: £51.2m, Trade Debtors: £2.8m, Debts: £67.0m |
| 19/12/2025 | ADI UK LIMITED | 28.8 yrs | North West | Rental & leasing | Dec-2024, Turnover: £33.0m, Trade Debtors: £4.3m, Debts: £6.1m, Net Assets: £5.3m |
| 29/12/2025 | THETFORD COMPACTORS | 44.6 yrs | East of England | - | Dec-2024, Trade Debtors: £198k, Debts: £486k, Net Assets: £252k, Staff: 2 |
| 04/12/2025 | AUTOFLEX LIMITED | 12.6 yrs | Yorkshire / | Wholesale & retail trade | Mar-2025, Trade Debtors: £10k, Net Assets: £777k, Staff: 2, Est PBT: £431k |
| 19/12/2025 | HOLMES UK LIMITED | 33.7 yrs | Midlands | Machinery & equipment | Dec-2024, Trade Debtors: £111k, Net Assets: £294k, Staff: 12, Est PBT: £30k |
| 02/12/2025 | SC SITE SERVICES (SCOTLAND) | 6.9 yrs | Scotland | Building construction | Mar-2025, Net Assets: £282k, Staff: 6, Est PBT: £67k |
| 16/12/2025 | HDM ENERGIES LTD | 2.4 yrs | Yorkshire / | Architecture & engineering | Aug-2024, Other debts: £1k, Net Assets: £-183k, Staff: 3, Est PBT: £-201k |
| 19/12/2025 | CIRES GROUP LTD | 2.5 yrs | South West | Wholesale trade | Jun-2024, Trade Debtors: £58k, Net Assets: £12k, Staff: 3, Est PBT: £0k |
| 19/12/2025 | THE MANUFACTURING | 33.6 yrs | Midlands | Machinery & equipment | Dec-2024, Net Assets: £17k, Staff: 2, Est PBT: £-30k |
| 19/12/2025 | CORNWALL STONE LTD | 11.1 yrs | South West | Specialist construction | Dec-2023, Trade Debtors: £12k, Debts: £9k, Other debts: £207k, Net Assets: £-180k |