Diversity Index – Ethnicity Insights on UK Business Ownership

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Active Companies

5.37M+

Ethnic Minorities Companies

256K+

British Ethnic Minorities

253K+

Non-British Ethnic Minorities

39.1K+

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Regions
Industry
Risk Profile
Turnover

Regions	Count	Percentage
London	92,778	36.1
North West	29,288	11.4
South East	25,884	10.1
West Midlands	27,556	10.7
East of England	19,531	7.6
Yorkshire and The Humber	17,712	6.9
East Midlands	12,246	4.8
Scotland	9,302	3.6
South West	7,157	2.8
North East	4,059	1.6
Wales	4,048	1.6
Northern Ireland	748	0.3

Secured lending remains concentrated in London, which accounts for 36.1% of total lending with 92,778 units. The North West (11.4%) and West Midlands (10.7%) follow, recording 29,288 and 27,556 units, respectively. The South East (10.1%) and East of England (7.6%) also contribute significantly. Yorkshire and The Humber (6.9%) and the East Midlands (4.8%) maintain steady figures, while Scotland (3.6%), South West (2.8%), and North East (1.6%) see lower counts. Wales (1.6%) 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	582	0.2
B	Mining And Quarrying	167	0.1
C	Manufacturing	7,342	2.9
D	Electricity, Gas, Steam And Air Conditioning Supply	336	0.1
E	Water Supply, Sewerage, Waste Management And Remediation Activities	466	0.2
F	Construction	15,237	5.9
G	Wholesale And Retail Trade; Repair Of Motor Vehicles And Motorcycles	50,840	19.8
H	Transportation And Storage	9,113	3.6
I	Accommodation And Food Service Activities	23,276	9.1
J	Information And Communication	20,240	7.9
K	Financial And Insurance Activities	6,302	2.5
L	Real Estate Activities	34,778	13.5
M	Professional, Scientific And Technical Activities	27,091	10.5
N	Administrative And Support Service Activities	19,146	7.5
O	Public Administration And Defence; Compulsory Social Security	492	0.2
P	Education	4,875	1.9
Q	Human Health And Social Work Activities	17,939	7.0
R	Arts, Entertainment And Recreation	2,806	1.1
S	Other Service Activities	14,219	5.5
T	Activities Of Households As Employers; Undifferentiated Goods- And Services-producing Activities Of Households For Own Use	1,602	0.6
U	Activities Of Extraterritorial Organisations And Bodies	53	0.0

Secured lending is highest in the Wholesale and Retail Trade sector (19.8%) with 50,840 units, followed by Real Estate (13.5%) at 34,778 units. Professional, Scientific & Technical Activities (10.5%), Accommodation & Food Services (9.1%), and Information & Communication (7.9%) also see significant activity. Administrative & Support Services (7.5%) and Human Health & Social Work (7.0%) contribute steadily. Construction (5.9%) and Other Services (5.5%) 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	70,707	27.5
Very High Risk	68,575	2.2
Very Low Risk	59,974	23.3
Moderate Risk	51,864	20.2
High Risk	5,774	2.2

Secured lending is evenly distributed between Low Risk (27.5%) with 70,707 units and Very Low Risk (23.3%) with 59,974 units. Moderate Risk accounts for 20.2% with 51,864 units. Very High Risk lending remains low at 2.2% with 68,575 units, while High Risk is similarly minimal (2.2%) with 5,774 units, highlighting a cautious approach to riskier lending.

Turnover Range	Number of Companies	Percentage
1 to 500K	120,947	85.1
1M to 5M	13,920	9.2
500K to 1M	13,042	9.2
5M to 10M	1,620	1.1
10M to 100M	1,150	0.8
100M to 500M	46	0.0
Greater Than 1B	1	0.0

Secured lending is dominated by smaller companies, with 85.1% of firms having a turnover of £1 to £500K (120,947 companies). Mid-sized businesses in the £1M to £5M (9.2%) and £500K to £1M (9.2%) ranges contribute moderately. Larger firms are less represented, with only 1.1% in the £5M to £10M range and 0.8% in the £10M to £100M category. Enterprises exceeding £100M make up a negligible share, with just 46 companies in the £100M to £500M range and only one firm above £1B.