Do you use a torch with one of those powerful square LEDs?
The circle with a square in the middle reminds me of my LED torch.
Pictures below in focus and out of focus.
It seems the most logical explanation so far, I was thinking 'maybe a torch' all along but your photo makes it look very likely given the pattern.
But yes, under exposing isn't compensated for by over developing the film, three stops plus reciprocity would be my guess (as others have said) for a Wratten #25. I would do a dark slide exposure test, pull the slide out in maybe three steps adding to the previous exposure step each time, the negative doesn't need to be sharp if the holder moves but ideally you want an expected plus, normal, and minus exposure when developed, if plus or minus turns out to be the better the 'normal' calculation was wrong.