High Street IF
January 2026
1st in cohort
RBS Invoice Finance
January 2026 debenture analysis for RBS Invoice Finance. High Street IF cohort, ranked 1st.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 40 | 19 | 24 | 36 | +12 | +50% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| RBS Invoice Finance | 20.6 | £3.2m |
| Cohort average | 18.6 | £4.2m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 8 |
| Fabricated metal products | 6 |
| Head offices & consultancy | 4 |
| IT programming / consulting | 2 |
| Financial services | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| East of England | 6 |
| London | 4 |
| North West | 4 |
| East Midlands | 4 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 13/01/2026 | E.F.B. GROUP HOLDINGS | 6.9 yrs | East of England | Head offices & consultancy | Sep-2025, Turnover: £285.6m, Trade Debtors: £46.5m, Debts: £115k |
| 13/01/2026 | EURO FOOD BRANDS LIMITED | 35 yrs | East of England | Wholesale trade | Sep-2025, Turnover: £279.3m, Trade Debtors: £44.8m, Debts: £115k |
| 09/01/2026 | FORETWO GROUP LIMITED | 8.5 yrs | North West | Head offices & consultancy | Jun-2025, Trade Debtors: £4.8m, Net Assets: £212k, Staff: 1487, Est PBT: £270k |
| 16/01/2026 | HERD HIRE LTD | 14.7 yrs | South East | - | Oct-2025, Turnover: £50.6m, Trade Debtors: £3.9m, Debts: £70.6m, Net Assets: £3.6m |
| 14/01/2026 | R.HANNAH & SONS LIMITED | 23.8 yrs | North West | Wholesale trade | Sep-2024, Turnover: £90.8m, Trade Debtors: £4.3m, Debts: £456k, Net Assets: £7.5m |
| 19/01/2026 | SAVONA FOODSERVICE LTD | 22.7 yrs | South East | Wholesale trade | Aug-2025, Turnover: £63.2m, Trade Debtors: £6.7m, Debts: £4.1m, Net Assets: £4.5m |
| 16/01/2026 | DEPS HOLDINGS LIMITED | 8.1 yrs | Yorkshire / | Financial services | Dec-2024, Turnover: £32.0m, Trade Debtors: £9.7m, Debts: £1.3m |
| 14/01/2026 | A.& J.SCOTT LIMITED | 53.1 yrs | North East | - | Mar-2025, Turnover: £38.9m, Trade Debtors: £5.5m, Debts: £4.5m, Other debts: £419k |
| 07/01/2026 | OEG OFFSHORE UK LIMITED | 52.8 yrs | Scotland | Personal services | Dec-2024, Turnover: £29.1m, Trade Debtors: £6.2m, Debts: £7.4m, Net Assets: £19.4m |
| 14/01/2026 | THE SOCIAL ELEMENT LIMITED | 23.9 yrs | London | - | Mar-2025, Turnover: £12.7m, Trade Debtors: £3.0m, Net Assets: £2.7m, Staff: 203 |