ABL + Invoice Finance
December 2025
11th in cohort
Team Factors
December 2025 debenture analysis for Team Factors. ABL + Invoice Finance cohort, ranked 11th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 8 | 12 | 11 | 16 | +31% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Team Factors | 4.9 | £9k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Employment services | 5 |
| Social work | 2 |
| Wholesale trade | 2 |
| Residential care | 2 |
| Land transport & logistics | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 7 |
| East Midlands | 3 |
| Wales | 1 |
| London | 1 |
| East of England | 1 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/12/2025 | CADOG HOMECARE LTD | 14.4 yrs | Wales | - | Jul-2024, Trade Debtors: £134k, Debts: £19k, Net Assets: £294k, Staff: 159 |
| 22/12/2025 | SHAN CARE24 LTD | 4.4 yrs | South East | Employment services | Aug-2025, Net Assets: £108k, Staff: 78, Est PBT: £-17k |
| 17/12/2025 | CARE AT HOME READING | 11.6 yrs | South East | - | May-2025, Trade Debtors: £177k, Debts: £78k, Other debts: £168k, Net Assets: £-188k |
| 23/12/2025 | TOTALLY LIVING CARE LIMITED | 12.6 yrs | South West | Office & business support | May-2025, Trade Debtors: £46k, Debts: £24k, Net Assets: £99k, Staff: 21, Est PBT: £-75k |
| 09/12/2025 | M & K CLEANING SERVICES | 11.9 yrs | Yorkshire / | - | Mar-2025, Trade Debtors: £23k, Debts: £27k, Net Assets: £21k, Staff: 4 |
| 19/12/2025 | KERSHAW RAIL LIMITED | 11.7 yrs | East of England | Land transport & logistics | Aug-2024, Net Assets: £-24k, Staff: 1, Est PBT: £-31k |
| 08/12/2025 | THE EDINBURGH | 15.1 yrs | Scotland | Employment services | Nov-2024, Net Assets: £0k, Staff: 1, Est PBT: £-11k |
| 18/12/2025 | THE COMPLETE PET COMPANY | 5.6 yrs | South East | Wholesale trade | Apr-2025, Net Assets: £-52k, Est PBT: £-13k |
| 10/12/2025 | OXALIS MULTICARE LTD | 1.5 yrs | South East | Human health | Jun-2025, Net Assets: £-23k, Est PBT: £0k |
| 17/12/2025 | HNOSI SPACE SOLUTIONS LTD | 1.2 yrs | South East | Employment services | Mar-2025, Net Assets: £0k, Est PBT: £0k |