CURRY ON WHEELS LIMITED
- · Oldest live charge 13.2y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 13.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £506.8k | £350.5k |
| Current assets | £702.3k | £481.7k |
| Cash | £475.7k | £301.5k |
| Debtors | £224.5k | £177.5k |
| Net assets | £477.4k | £331.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-09🔒Charge registered #2Lender: Barclays Security Trustee Limited
- 2024-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-01📄capital-allotment-sharescapital · SH01
- 2024-05-01📄capital-allotment-sharescapital · SH01
- 2024-05-01📄capital-allotment-sharescapital · SH01
- 2024-05-01📄resolutionresolution · RESOLUTIONS
- 2024-05-01📄capital-name-of-class-of-sharescapital · SH08
- 2024-04-30📄memorandum-articlesincorporation · MA
- 2024-04-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-03-08🔒Charge registered #1Lender: Barclays Bank PLC
- 2004-07-20🏢Company incorporatedAs CURRY ON WHEELS LIMITED
- 2004-07-20➕SINGH, Jagpreet Kaur appointedsecretary
- 2004-07-20➕SINGH, Harmeet appointeddirector
- 2004-07-20➕SINGH, Jagpreet Kaur appointeddirector
- 2004-07-20➕GRANT SECRETARIES LIMITED appointedcorporate-secretary
- 2004-07-20➖GRANT SECRETARIES LIMITED resignedcorporate-secretary
- 2004-07-20➕GRANT DIRECTORS LIMITED appointedcorporate-director
- 2004-07-20➖GRANT DIRECTORS LIMITED resignedcorporate-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jagpreet Kaur Singh Individual · British · DOB 07/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/03/2024 |
Mr Harmeet Singh Individual · British · DOB 01/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 09/06/2024 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 08/03/2013 | — |