ABL + Invoice Finance
December 2025
8th in cohort
Time Finance
December 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 8th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 15 | 16 | 22 | +27% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Specialist construction | 6 |
| Employment services | 2 |
| Unknown | 2 |
| Land transport & logistics | 2 |
| Financial services | 2 |
Top Regions
| Region | Count |
|---|---|
| North West | 9 |
| Midlands | 5 |
| South West | 3 |
| Yorkshire / Humber | 3 |
| South East | 1 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 18/12/2025 | SEVEN BROTHERS BREWERY | 12.1 yrs | North West | - | Dec-2024, Trade Debtors: £521k, Debts: £29k, Net Assets: £-402k, Staff: 35 |
| 04/12/2025 | PAVILION DISTRIBUTION LTD | 12.5 yrs | Midlands | Wholesale trade | May-2025, Trade Debtors: £350k, Debts: £402k, Net Assets: £55k, Est PBT: £13k |
| 22/12/2025 | ELITE TRAINING GROUP | 10.3 yrs | Midlands | Education | Aug-2024, Net Assets: £52k, Staff: 9, Est PBT: £65k |
| 02/12/2025 | MEADOWBANK COATINGS | 3.1 yrs | Yorkshire / | Specialist construction | Oct-2024, Net Assets: £94k, Staff: 8, Est PBT: £109k |
| 22/12/2025 | GEO SITE SURVEYS LIMITED | 19.8 yrs | North West | Specialist construction | Apr-2025, Trade Debtors: £67k, Debts: £37k, Net Assets: £15k, Staff: 6, Est PBT: £-41k |
| 24/12/2025 | SKY VISION SURVEYS LTD | 9.1 yrs | South East | Office & business support | Apr-2025, Net Assets: £0k, Staff: 4, Est PBT: £0k |
| 01/12/2025 | PNAGAMES LIMITED | 17.2 yrs | Midlands | Retail trade | May-2025, Trade Debtors: £31k, Debts: £64k, Net Assets: £297k, Est PBT: £38k |
| 02/12/2025 | AKODY LTD | 12.4 yrs | North West | Financial services | Jun-2025, Net Assets: £315k, Staff: 1, Est PBT: £447k |
| 04/12/2025 | PODZE LOGISTICS LTD | 8.6 yrs | South West | Postal & courier | May-2024, Net Assets: £7k, Staff: 2, Est PBT: £7k |
| 22/12/2025 | GSS WALKDEN DRILLING | 9.8 yrs | North West | Specialist construction | Feb-2025, Debts: £21k, Net Assets: £-2k, Staff: 1, Est PBT: £-1k |