CURO CARE DELAHEYS LIMITED
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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 4.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · 3 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover 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 | 2900 | 2400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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 incorporation
- • 1 resolution
- • 1 confirmation-statement
- • 1 incorporation
- • 1 resolution
- • 1 confirmation-statement
Corporate timeline (29 events)Click to expand
- 2026-05-26📄memorandum-articlesincorporation · MA
- 2026-05-08📄resolutionresolution · RESOLUTIONS
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-12🔓Charge satisfied #2
- 2025-06-12🔓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
- 2024-06-05📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-03-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-09-13📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-05-03📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 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
- 2022-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-16🔒Charge registered #3Lender: Alan Wilson
- 2022-03-16🔒Charge registered #2Lender: Aib Group (UK) P.L.C.
- 2022-03-16🔒Charge registered #1Lender: Aib Group (UK) P.L.C.
- 2021-04-27🏢Company incorporatedAs CURO CARE DELAHEYS LIMITED
- 2021-04-27➕KENNEDY, Stephen Alexander appointeddirector
- 2021-04-27➕KNEAFSEY, Michael Gerard appointeddirector
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.
- +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
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- 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 ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Curo Care Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Curo Care Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting · firm interest | 13/09/2021 |
2 historic (ceased) PSCs
- Mr Stephen Alexander Kennedyceased 13/09/2021· 25-50% shares · 25-50% voting
- Mr Michael Gerard Kneafseyceased 13/09/2021· 25-50% shares · 25-50% voting
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.
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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | 1 property | 29/07/2024 | — | |
| outstanding | Alan Wilson / Carolyn Wilson | A registered charge | 1 property | 16/03/2022 | — | |
| satisfied | Aib Group (UK) P.L.C. | A registered charge | — | 16/03/2022 | 12/06/2025 | |
| satisfied | Aib Group (UK) P.L.C. | A registered charge | 1 property | 16/03/2022 | 12/06/2025 |