AR CURAM LIMITED
🌳Matureactive
09943211 · ltd · incorporated 2016-01-08
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.35M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 6.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,352,268
Key financials
2 years extracted from filed iXBRL accountsCash
£215k
Net Worth
£1.4m
Current Assets
£648k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Turnover | — | £2.77M |
| Gross profit | — | £2.60M |
| Profit before tax | — | £220.4k |
| Total assets | £2.27M | — |
| Current assets | £648.3k | — |
| Cash | £215.2k | — |
| Debtors | £433.0k | — |
| Net assets | £1.35M | — |
| Average employees | — | 7200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29🔒Charge registered #6Lender: Unity Trust Bank PLC (Company Number 01713124)
- 2023-04-25📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-03-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-17✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-09-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-05🔓Charge satisfied #2
- 2021-03-05🔓Charge satisfied #1
- 2021-03-04🔒Charge registered #5Lender: Unity Trust Bank PLC
- 2021-03-04🔒Charge registered #4Lender: Unity Trust Bank PLC
- 2021-03-04🔒Charge registered #3Lender: Unity Trust Bank PLC
- 2021-02-25➕MIDDLETON, Paul appointedsecretary
- 2020-11-20➕MCILHARGEY, Zak John appointeddirector
- 2019-08-16🔒Charge registered #2Lender: Lloyds Bank PLC
- 2019-08-16🔒Charge registered #1Lender: Lloyds Bank PLC
- 2016-01-08🏢Company incorporatedAs AR CURAM LIMITED
- 2016-01-08➕DALZELL, Mark Anthony appointeddirector
- 2016-01-08➕MIDDLETON, Paul appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Zak John Mcllhargey Individual · British · DOB 07/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/11/2018 |
Mr Paul Middleton Individual · British · DOB 03/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 07/01/2017 |
Mr Mark Anthony Dalzell Individual · British · DOB 08/1965 · age 61 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 07/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Construction · DL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A S ROOFING AND CLADDING LTD→ 15880033 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A STAR INSTALLATIONS LTD→ 15651250 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A.S.CROCKER(PLASTERERS)LIMITED→ 00569932 · est 1956 · no financials extracted | — | — | — | — | 69y | — | — |
| ANDREW ALLUM JOINERY AND CONSTRUCTION LIMITED→ 11828338 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ANDY HADDEN LANDSCAPING & BUILDING SERVICES LTD→ 15476588 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ANJ BUILDERS NE LTD→ 15175536 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANWEN CONSTRUCTION LIMITED→ 06887715 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| APPLETREE BUILDING CONTRACTORS LTD→ 10341678 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| APPROVED SCAFFOLDING LIMITED→ 16354134 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| APS GROUNDWORKS LIMITED→ 11463915 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AQUASHIELD (NORTH EAST) LIMITED→ 05302198 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AR ELECTRICAL (NE) LTD→ 14540970 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2016-01-08
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects
Registered office
37-38 Market Street
Ferryhill
Co. Durham
DL17 8JH
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-21
Last: 2026-01-07
Officers (4 active · 0 resigned)
Active
DALZELL, Mark Anthony→
Activedirector · ~61y · appointed 2016-01-08
View their other companies + combined net worth →
MCILHARGEY, Zak John→
Activedirector · ~57y · appointed 2020-11-20
View their other companies + combined net worth →
MIDDLETON, Paul→
Activedirector · ~62y · appointed 2016-01-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Unity Trust Bank (Company Number 01713124) Unity Trust Bank PLC (Company Number 01713124) | A registered charge | 2 properties | 29/09/2023 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 04/03/2021 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 04/03/2021 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 2 properties | 04/03/2021 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 16/08/2019 | 05/03/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 16/08/2019 | 05/03/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-11
change-person-director-company-with-change-date
officers · CH01
2024-06-10
change-person-director-company-with-change-date
officers · CH01
2024-06-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-12
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-04-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-22
certificate-change-of-name-company
change-of-name · CERTNM
2023-03-17