ABL + Invoice Finance
November 2025
11th in cohort
Time Finance
November 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 11th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 15 | 26 | 8 | 20 | +60% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Repair / installation | 3 |
| IT programming / consulting | 2 |
| Specialist construction | 2 |
| Head offices & consultancy | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 11 |
| Wales | 3 |
| Scotland | 2 |
| North West | 2 |
| Yorkshire / Humber | 1 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 11/11/2025 | SEREN SUPPORT SERVICES LTD | 14 yrs | Wales | - | Mar-2025, Trade Debtors: £319k, Debts: £96k, Net Assets: £-391k, Staff: 174 |
| 28/11/2025 | KFP TOTAL IT SOLUTIONS LTD | 12.1 yrs | South East | IT programming / consulting | Apr-2025, Trade Debtors: £1.7m, Debts: £75k, Net Assets: £631k, Staff: 95, Est PBT: £0k |
| 05/11/2025 | RS TRANSPORT (MIDLANDS) | 6.1 yrs | Midlands | Land transport & logistics | Oct-2024, Debts: £956k, Net Assets: £631k, Staff: 17, Est PBT: £195k |
| 03/11/2025 | ACTIVE PUMP SERVICES LTD | 27.6 yrs | South East | Personal services | Mar-2025, Trade Debtors: £245k, Debts: £679k, Net Assets: £733k, Staff: 15 |
| 27/11/2025 | GEO CONCRETE PRODUCTS | 6.4 yrs | Yorkshire / | Non-metallic minerals | Jul-2024, Net Assets: £-902k, Est PBT: £-498k |
| 17/11/2025 | HOSE EXPRESS THURROCK | 26.7 yrs | South East | - | Mar-2025, Trade Debtors: £159k, Debts: £15k, Net Assets: £4k, Staff: 10 |
| 25/11/2025 | GRIFFEN DENTAL | 60.8 yrs | South East | Manufacturing (other) | Sep-2024, Trade Debtors: £69k, Net Assets: £121k, Staff: 10 |
| 17/11/2025 | WEST SUSSEX HYDRAULICS | 8.3 yrs | South East | Repair / installation | Mar-2025, Trade Debtors: £223k, Debts: £3k, Net Assets: £34k, Staff: 9, Est PBT: £27k |
| 17/11/2025 | KENT HYDRAULICS LTD | 21.4 yrs | South East | Repair / installation | Mar-2025, Trade Debtors: £199k, Debts: £44k, Net Assets: £0k, Staff: 7, Est PBT: £-12k |
| 12/11/2025 | DHRB LIMITED | 17.2 yrs | North West | Postal & courier | Jun-2025, Net Assets: £256k, Est PBT: £106k |