Diversity Index – Ethnicity Insights on UK Business Ownership

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Active Companies

5.37M+

Ethnic Minorities Companies

294K+

British Ethnic Minorities

254K+

Non-British Ethnic Minorities

40K+

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Regions
Industry
Risk Profile
Turnover

Regions	Count	Percentage
London	108,852	36.9
North West	33,353	11.3
South East	29,658	10.1
West Midlands	31,266	10.6
East of England	22,086	7.5
Yorkshire and The Humber	20,001	6.8
East Midlands	13,867	4.7
Scotland	10,186	3.5
South West	8,039	2.7
North East	4,597	1.6
Wales	4,531	1.5
Northern Ireland	802	0.3

Secured lending remains concentrated in London, which accounts for 36.9% of total lending with 108,852 units. The North West (11.3%) and West Midlands (10.6%) follow, recording 33,353 and 31,266 units, respectively. The South East (10.1%) 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 (2.7%), 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	656	0.2
B	Mining And Quarrying	200	0.1
C	Manufacturing	8,207	2.8
D	Electricity, Gas, Steam And Air Conditioning Supply	386	0.1
E	Water Supply, Sewerage, Waste Management And Remediation Activities	539	0.2
F	Construction	17,080	5.8
G	Wholesale And Retail Trade; Repair Of Motor Vehicles And Motorcycles	58,516	19.9
H	Transportation And Storage	10,299	3.5
I	Accommodation And Food Service Activities	26,954	9.1
J	Information And Communication	24,182	8.2
K	Financial And Insurance Activities	7,095	2.4
L	Real Estate Activities	39,114	13.3
M	Professional, Scientific And Technical Activities	31,288	10.6
N	Administrative And Support Service Activities	22,547	7.7
O	Public Administration And Defence; Compulsory Social Security	553	0.2
P	Education	5,622	1.9
Q	Human Health And Social Work Activities	20,500	7.0
R	Arts, Entertainment And Recreation	3,176	1.1
S	Other Service Activities	16,065	5.5
T	Activities Of Households As Employers; Undifferentiated Goods- And Services-producing Activities Of Households For Own Use	1,798	0.6
U	Activities Of Extraterritorial Organisations And Bodies	60	0.0

Secured lending is highest in the Wholesale and Retail Trade sector (19.9%) with 58,516 units, followed by Real Estate (13.3%) at 39,114 units. Professional, Scientific & Technical Activities (10.6%), Accommodation & Food Services (9.1%), and Information & Communication (8.2%) also see significant activity. Administrative & Support Services (7.7%) and Human Health & Social Work (7.0%) contribute steadily. Construction (5.8%) 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	79,899	27.1
Very High Risk	78,764	26.7
Very Low Risk	67,835	23.0
Moderate Risk	61,718	20.9
High Risk	6,618	2.2

Secured lending is evenly distributed between Low Risk (27.1%) with 79,899 units and Very High Risk (26.7%) with 78,764 units. Very Low Risk (23.0%) and Moderate Risk (20.9%) account for similar shares, at 67,835 and 61,718 units, respectively. High Risk lending remains minimal (2.2%), with 6,618 units, highlighting a cautious approach to riskier lending.

Turnover Range	Number of Companies	Percentage
1 to 500K	136,599	80.1
1M to 5M	15,830	9.3
500K to 1M	14,859	8.7
5M to 10M	1,850	1.1
10M to 100M	1,350	0.8
100M to 500M	50	0.0
Greater Than 1B	1	0.0

Secured lending is dominated by smaller companies, with 80.1% of firms having a turnover of £1 to £500K (136,599 companies). Mid-sized businesses in the £1M to £5M (9.3%) and £500K to £1M (8.7%) 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 50 companies in the £100M to £500M range and only one firm above £1B.