CURO CARE GROUP LIMITED
🏛️Establishedactive
13147755 · ltd · incorporated 2021-01-20
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Residential nursing care activities
Sector: Human health & social work
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 76/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 4.3y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 100 |
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
2
filings
- • 2 mortgage
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-21🔒Charge registered #6Lender: Triodos Bank UK Limited
- 2026-04-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-16🔒Charge registered #5Lender: Triodos Bank UK Limited
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-04🔓Charge satisfied #3
- 2025-06-04🔓Charge satisfied #2
- 2025-06-04🔓Charge satisfied #1
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-29🔒Charge registered #4Lender: Triodos Bank UK Limited
- 2024-07-16📄capital-allotment-sharescapital · SH01
- 2024-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-10-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-23🔒Charge registered #3Lender: Philip Jenkinson
- 2022-09-13📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-16🔒Charge registered #2Lender: Antonio Ricci
- 2022-03-16🔒Charge registered #1Lender: Aib Group (UK) P.L.C.
- 2021-12-02📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-01-20🏢Company incorporatedAs CURO CARE GROUP LIMITED
- 2021-01-20➕KENNEDY, Stephen Alexander appointeddirector
- 2021-01-20➕KNEAFSEY, Michael Gerard appointeddirector
- 2021-01-20📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Alexander Kennedy Individual · British · DOB 02/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/01/2021 |
Mr Michael Gerard Kneafsey Individual · British · DOB 08/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/01/2021 |
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 · Healthcare & medical · HG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DENTALLY YOURS LIMITED→ 10617374 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| DOCTOR CLIONA LIMITED→ 15458052 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DR DM BOTTOMLEY ONCOLOGY LIMITED→ 11935269 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DR G TRAN LTD→ 13781727 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DR M.J. GREEN LIMITED→ 12177359 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DUCHY CARE LIMITED→ 14412667 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DULVERTON HOUSE LIMITED→ 05414676 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| DURHAM MEDICALS LIMITED→ 11842273 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| EARLY BIRD RUN CREW CIC→ 14589990 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| EDEN PSYCHOTHERAPY SERVICES LIMITED→ 16592825 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EGAN DENTURES LIMITED→ 10708058 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ELEMENT DIGITAL SOLUTIONS LIMITED→ 11760808 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2021-01-20
Jurisdictionengland-wales
Primary SIC87100 — Residential nursing care activities
Registered office
3 Greengate Cardale Park
Harrogate
North Yorkshire
HG3 1GY
United Kingdom
Filing status
Accounts
Next due: 2026-12-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-23
Last: 2026-01-09
Officers (2 active · 0 resigned)
KENNEDY, Stephen Alexander→
Activedirector · ~59y · appointed 2021-01-20
View their other companies + combined net worth →
KNEAFSEY, Michael Gerard→
Activedirector · ~58y · appointed 2021-01-20
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
3
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | — | 21/05/2026 | — | |
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | — | 16/04/2026 | — | |
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | 1 property | 29/07/2024 | — | |
| satisfied | Philip Jenkinson | A registered charge | 1 property | 23/09/2022 | 04/06/2025 | |
| satisfied | Antonio Ricci / Jayne Ricci | A registered charge | 1 property | 16/03/2022 | 04/06/2025 | |
| satisfied | Aib Group (UK) P.L.C. | A registered charge | — | 16/03/2022 | 04/06/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (23 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-06
capital-allotment-shares
capital · SH01
2024-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-26
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-30