High Street IF
September 2025
1st in cohort
RBS Invoice Finance
September 2025 debenture analysis for RBS Invoice Finance. High Street IF cohort, ranked 1st.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 32 | 54 | 28 | 41 | +32% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| RBS Invoice Finance | 18.9 | £3.0m |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 5 |
| Financial services | 4 |
| Office & business support | 4 |
| Residential care | 4 |
| Wholesale & retail trade | 3 |
Top Regions
| Region | Count |
|---|---|
| South East | 13 |
| North West | 8 |
| London | 6 |
| Yorkshire / Humber | 5 |
| Scotland | 3 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/09/2025 | 4SYTE LTD | 9.4 yrs | South East | Financial services | Dec-2024, Turnover: £17.6m, Trade Debtors: £143.4m, Debts: £82.6m |
| 15/09/2025 | 4SYTE FUNDING LTD | 9.2 yrs | South East | Financial services | Dec-2024, Trade Debtors: £109.2m, Debts: £59.5m, Net Assets: £4.0m, Est PBT: £633k |
| 01/09/2025 | MELLORS CATERING SERVICES | 14.1 yrs | North West | - | Jul-2025, Turnover: £46.4m, Trade Debtors: £3.1m, Net Assets: £5.9m, Staff: 1658 |
| 30/09/2025 | ASSURED CLEANING SERVICES | 23.6 yrs | North West | Property & facilities services | Sep-2024, Trade Debtors: £862k, Net Assets: £259k, Staff: 361, Est PBT: £1k |
| 01/09/2025 | ELOVATE GROUP LIMITED | 6.2 yrs | Yorkshire / | Financial services | Jul-2024, Turnover: £19.9m, Trade Debtors: £3.0m, Debts: £391k, Other debts: £24.1m |
| 01/09/2025 | MOSAIC FULFILMENT | 16.3 yrs | Yorkshire / | Office & business support | Jul-2024, Turnover: £14.3m, Trade Debtors: £2.4m, Debts: £871k, Net Assets: £2.0m |
| 23/09/2025 | J.LONG & | 64 yrs | Yorkshire / | Land transport & logistics | Sep-2024, Turnover: £18.5m, Trade Debtors: £2.8m, Debts: £51k, Other debts: £201k |
| 10/09/2025 | UKI EXPRESS TRANSPORT | 18.4 yrs | North West | Land transport & logistics | May-2025, Trade Debtors: £3.3m, Debts: £98k, Net Assets: £1.7m, Staff: 37 |
| 11/09/2025 | PROBE TEST SOLUTIONS | 16.2 yrs | Scotland | Architecture & engineering | Dec-2024, Turnover: £15.8m, Trade Debtors: £2.7m, Debts: £984k, Net Assets: £2.3m |
| 23/09/2025 | QUALITEX SUPPLIES LIMITED | 34.9 yrs | South East | Wholesale trade | Dec-2024, Turnover: £16.1m, Trade Debtors: £2.2m, Debts: £624k, Net Assets: £3.6m |