High Street IF
January 2025
2nd in cohort
RBS Invoice Finance
January 2025 debenture analysis for RBS Invoice Finance. High Street IF cohort, ranked 2nd.
January 2025 Debenture Activity
Year-over-year comparison of debenture registrations for January 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 19 | 40 | 19 | 24 | +21% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| RBS Invoice Finance | 23.2 | £1.6m |
| Cohort average | 16.1 | £1.1m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 5 |
| Employment services | 4 |
| Furniture manufacturing | 1 |
| Wholesale & retail trade | 1 |
| Apparel manufacturing | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| Midlands | 5 |
| North West | 3 |
| Scotland | 2 |
| London | 2 |
Notable New Debentures
Significant new debenture registrations in January 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 13/01/2025 | CLARITY ENVIRONMENTAL LIMITED | 22.3 yrs | South East | Waste management | Dec-2024, Turnover: £86.9m, Trade Debtors: £5.1m, Debts: £7k, Other debts: £896k, Net Assets: £7.9m, Staff: 43, Est PBT: £8.0m |
| 30/01/2025 | MIQUILL CATERING LIMITED | 15.8 yrs | Midlands | Food & beverage services | Sep-2024, Trade Debtors: £1.3m, Debts: £252k, Net Assets: £212k, Staff: 445, Est PBT: £226k |
| 27/01/2025 | S M S ENVIRONMENTAL LIMITED | 23.6 yrs | South East | Water supply | Jul-2024, Turnover: £13.5m, Trade Debtors: £2.1m, Debts: £692k, Net Assets: £2.6m, Staff: 211, Est PBT: £517k |
| 29/01/2025 | CPG LOGISTICS LIMITED | 33.8 yrs | South East | Logistics & warehousing | Sep-2025, Turnover: £22.6m, Trade Debtors: £4.5m, Debts: £2.6m, Other debts: £1.5m, Net Assets: £6.7m, Staff: 172, Est PBT: £2.7m |
| 23/01/2025 | RECRUITMENT FUNDING SOLUTIONS LIMITED | 7.6 yrs | North West | Employment services | Oct-2024, Trade Debtors: £4.5m, Debts: £4k, Net Assets: £12k, Staff: 10, Est PBT: £-20k |
| 30/01/2025 | RIDE SHOTGUN LTD | 7 yrs | Yorkshire / Humber | Office & business support | Dec-2024, Turnover: £13.6m, Trade Debtors: £2.1m, Debts: £337k, Net Assets: £520k, Staff: 152, Est PBT: £-648k |
| 14/01/2025 | KABY ENGINEERS LIMITED | 49.7 yrs | East Midlands | Manufacturing (metal) | Mar-2025, Turnover: £13.8m, Trade Debtors: £1.1m, Debts: £2.8m, Other debts: £864k, Net Assets: £2.9m, Staff: 115, Est PBT: £146k |
| 23/01/2025 | CLOVER TECHNICAL SERVICES LIMITED | 19.7 yrs | North West | Specialist construction | Jun-2024, Turnover: £19.8m, Trade Debtors: £2.5m, Net Assets: £3.2m, Staff: 92, Est PBT: £504k |
| 23/01/2025 | EXCEL AGRI LTD | 4.1 yrs | South West | Wholesale trade | Apr-2025, Trade Debtors: £3.2m, Other debts: £517k, Net Assets: £845k, Staff: 23, Est PBT: £309k |
| 10/01/2025 | SCIMED LTD | 45.5 yrs | North West | Wholesale trade | Dec-2024, Trade Debtors: £2.5m, Debts: £468k, Net Assets: £1.4m, Staff: 39, Est PBT: £19k |