ABL + Invoice Finance
August 2025
5th in cohort
Time Finance
August 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 5th.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 14 | 5 | 19 | 28 | +32% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 8 |
| Office & business support | 3 |
| Land transport & logistics | 3 |
| Retail trade | 3 |
| Specialist construction | 2 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 10 |
| Wales | 7 |
| North West | 6 |
| South West | 3 |
| East of England | 2 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 05/08/2025 | NIGHTINGALE CLEANING | 26 yrs | East of England | Property & facilities services | Apr-2025, Debts: £163k, Net Assets: £52k, Staff: 241, Est PBT: £-326k |
| 01/08/2025 | CARDIFF CLEANING SERVICES | 18.4 yrs | Wales | - | Mar-2025, Trade Debtors: £353k, Debts: £37k, Net Assets: £-77k, Staff: 148 |
| 21/08/2025 | SAVEKERS SOLUTIONS LIMITED | 16.4 yrs | Midlands | Fabricated metal products | Jun-2024, Trade Debtors: £380k, Net Assets: £351k, Staff: 33, Est PBT: £-182k |
| 19/08/2025 | HARRISONS ANGLO | 5.3 yrs | Midlands | Land transport & logistics | Apr-2024, Trade Debtors: £177k, Debts: £967k, Net Assets: £251k, Staff: 10 |
| 01/08/2025 | ARDENS HAULAGE LIMITED | 15.2 yrs | North West | - | Mar-2025, Trade Debtors: £283k, Debts: £236k, Net Assets: £662k, Staff: 16 |
| 13/08/2025 | CYGNUS AIRCONDITIONING | 21.4 yrs | Wales | Specialist construction | Aug-2024, Debts: £18k, Other debts: £3k, Net Assets: £37k, Staff: 16, Est PBT: £-7k |
| 07/08/2025 | AUGER CONTRACTS LTD | 22.4 yrs | Midlands | Specialist construction | Mar-2025, Trade Debtors: £15k, Debts: £18k, Net Assets: £3k, Staff: 14, Est PBT: £0k |
| 29/08/2025 | VINYL VALUE LIMITED | 14.8 yrs | South West | Manufacturing (other) | Mar-2024, Net Assets: £178k, Staff: 10, Est PBT: £-41k |
| 05/08/2025 | NIGHTINGALE CONTRACT | 20.7 yrs | East of England | Financial services | Apr-2025, Debts: £103k, Net Assets: £1.1m, Staff: 3, Est PBT: £147k |
| 05/08/2025 | VALLEY TRANSPORTS LIMITED | 3.4 yrs | Wales | Land transport & logistics | Jul-2024, Net Assets: £-27k, Staff: 9, Est PBT: £-91k |