Diversity Index – Ethnicity Insights on UK Business Ownership

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Active Companies

5.35M+

Ethnic Minorities Companies

298K+

British Ethnic Minorities

258K+

Non-British Ethnic Minorities

40.7K+

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Regions
Industry
Risk Profile
Turnover

Regions	Count	Percentage
London	110,108	36.8
North West	33,780	11.3
South East	29,984	10.0
West Midlands	31,885	10.7
East of England	22,280	7.5
Yorkshire and The Humber	20,251	6.8
East Midlands	14,004	4.7
Scotland	10,314	3.5
South West	8,236	2.8
North East	4,686	1.6
Wales	4,588	1.5
Northern Ireland	809	0.3

Secured lending remains concentrated in London, which accounts for 36.8% of total lending with 110,108 units. The North West (11.3%) and West Midlands (10.7%) follow, recording 33,780 and 31,885 units, respectively. The South East (10.0%) and East of England (7.5%) also contribute significantly. Yorkshire and The Humber (6.8%) and the East Midlands (4.7%) maintain steady figures, while Scotland (3.5%), South West (2.8%), and North East (1.6%) see lower counts. Wales (1.5%) and Northern Ireland (0.3%) have the smallest shares, reflecting regional disparities in secured lending activity.

SIC Code	SIC Industry	Count	Percentage
A	Agriculture Forestry And Fishing	665	0.2
B	Mining And Quarrying	199	0.1
C	Manufacturing	8,366	2.8
D	Electricity, Gas, Steam And Air Conditioning Supply	391	0.1
E	Water Supply, Sewerage, Waste Management And Remediation Activities	542	0.2
F	Construction	17,248	5.8
G	Wholesale And Retail Trade; Repair Of Motor Vehicles And Motorcycles	59,419	19.9
H	Transportation And Storage	10,684	3.6
I	Accommodation And Food Service Activities	27,435	9.2
J	Information And Communication	24,439	8.2
K	Financial And Insurance Activities	7,164	2.4
L	Real Estate Activities	39,327	13.2
M	Professional, Scientific And Technical Activities	31,624	10.6
N	Administrative And Support Service Activities	23,089	7.7
O	Public Administration And Defence; Compulsory Social Security	570	0.2
P	Education	5,684	1.9
Q	Human Health And Social Work Activities	20,694	6.9
R	Arts, Entertainment And Recreation	3,206	1.1
S	Other Service Activities	16,244	5.4
T	Activities Of Households As Employers; Undifferentiated Goods- And Services-producing Activities Of Households For Own Use	1,827	0.6
U	Activities Of Extraterritorial Organisations And Bodies	62	0.0

Secured lending is highest in the Wholesale and Retail Trade sector (19.9%), with 59,419 units, followed by Real Estate (13.2%) at 39,327 units. Professional, Scientific & Technical Activities (10.6%), Accommodation & Food Services (9.2%), and Information & Communication (8.2%) also see significant activity. Administrative & Support Services (7.7%) and Human Health & Social Work (6.9%) contribute steadily. Construction (5.8%) and Other Services (5.4%) maintain moderate levels. Sectors like Mining & Quarrying (0.1%), Electricity & Gas Supply (0.1%), and Public Administration (0.2%) account for minimal secured lending activity.

* The Percentages & Counts may not add up due to a company being able to trade under multiple SIC Codes.

Risk Band	Count	Percentage
Low Risk	79,635	26.6
Very High Risk	79,459	26.6
Very Low Risk	67,614	22.6
Moderate Risk	65,650	22.0
High Risk	6,491	2.2

Secured lending is evenly distributed between Low Risk (26.6%) with 79,635 units and Very High Risk (26.6%) with 79,459 units. Very Low Risk (22.6%) and Moderate Risk (22.0%) account for similar shares, at 67,614 and 65,650 units, respectively. High Risk lending remains minimal (2.2%), with 6,491 units, highlighting a cautious approach to riskier lending.

Turnover Range	Number of Companies	Percentage
1 to 500K	136,048	45.5
1M to 5M	15,820	5.3
500K to 1M	14,834	5.0
5M to 10M	1,840	0.6
10M to 100M	1,340	0.5
100M to 500M	51	0.0
Greater Than 1B	1	0.0

Secured lending is dominated by smaller companies, with 45.5% of firms having a turnover of £1 to £500K (136,048 companies). Mid-sized businesses in the £500K to £1M (5.0%) and £1M to £5M (5.3%) ranges contribute moderately. Larger firms are less represented, with only 0.6% in the £5M to £10M range and 0.5% in the £10M to £100M category. Enterprises exceeding £100M make up a negligible share, with just 51 companies in the £100M to £500M range and only one firm above £1B.