Other banks
November 2025
2nd in cohort
Santander
November 2025 debenture analysis for Santander. Other banks cohort, ranked 2nd.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 81 | 70 | 88 | 78 | -13% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Santander | 13 | £7.3m |
| Cohort average | 11.3 | £44.7m |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 20 |
| Real estate | 13 |
| Human health | 12 |
| Retail trade | 7 |
| Arts & entertainment | 3 |
Top Regions
| Region | Count |
|---|---|
| London | 28 |
| Yorkshire / Humber | 20 |
| North West | 8 |
| South East | 7 |
| South West | 6 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 05/11/2025 | WTH (UK) LIMITED | 17.7 yrs | North West | - | Dec-2024, Turnover: £13.3m, Trade Debtors: £43.7m, Net Assets: £2.3m, Staff: 181 |
| 13/11/2025 | CUBICO GROUP LIMITED | 9.2 yrs | Yorkshire / | - | Feb-2025, Turnover: £110.3m, Trade Debtors: £1.3m, Debts: £10.3m, Other debts: £5.1m |
| 13/11/2025 | CUBICO (UK) LIMITED | 13.5 yrs | Yorkshire / | - | Feb-2025, Turnover: £110.3m, Trade Debtors: £1.3m, Debts: £10.3m, Net Assets: £10.5m |
| 26/11/2025 | VENTURE LIFE GROUP PLC | 20 yrs | South East | Financial services | Dec-2024, Turnover: £26.6m, Trade Debtors: £10.2m, Debts: £22.2m |
| 19/11/2025 | HEPP SHEFFIELD LIMITED | 17.4 yrs | London | Real estate | Dec-2024, Turnover: £3.5m, Trade Debtors: £478k, Other debts: £33.6m |
| 21/11/2025 | JUST PAY LIMITED | 5.9 yrs | London | IT programming / consulting | Mar-2025, Turnover: £61.2m, Trade Debtors: £4.2m, Debts: £43k, Net Assets: £5.1m |
| 14/11/2025 | ALOHA BIDCO LIMITED | 1.6 yrs | London | Financial services | Jun-2025, Other debts: £5.4m, Net Assets: £-2.3m, Staff: 3, Est PBT: £-4.8m |
| 14/11/2025 | ALOHA MIDCO LIMITED | 1.6 yrs | East of England | Financial services | Jun-2025, Other debts: £28.6m, Net Assets: £2.5m, Est PBT: £-89k |
| 25/11/2025 | CHURCH STREET (LEEDS) | 1.7 yrs | London | Real estate | Dec-2024, Turnover: £1.3m, Trade Debtors: £812k, Debts: £17.8m, Net Assets: £6.6m |
| 04/11/2025 | C&R ENGINEERING LIMITED | 15.8 yrs | South East | Financial services | Jun-2025, Turnover: £21.6m, Trade Debtors: £5.0m, Debts: £423k, Net Assets: £9.6m |