CURO CARE CHICHESTER HALL LIMITED
Opportunity 77/100 (strong), bankability 62/100. 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
3 live charges · 2 lenders · oldest 1.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)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.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|---|
| Average employees | 2300 |
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 incorporation
- • 1 resolution
- • 1 confirmation-statement
- • 2 accounts
- • 1 incorporation
- • 1 resolution
Corporate timeline (17 events)Click to expand
- 2026-05-08📄memorandum-articlesincorporation · MA
- 2026-05-08📄resolutionresolution · RESOLUTIONS
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-23📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-12🔓Charge satisfied #2
- 2024-09-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-13🔒Charge registered #3Lender: Triodos Bank UK Limited
- 2024-09-13🔒Charge registered #2Lender: Cumbria Nursing Services Limited
- 2024-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-29🔒Charge registered #1Lender: Triodos Bank UK Limited
- 2024-04-14✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-02-23🏢Company incorporatedAs CURO CARE CHICHESTER HALL LIMITED
- 2024-02-23➕KENNEDY, Stephen Alexander appointeddirector
- 2024-02-23➕KNEAFSEY, Michael Gerard appointeddirector
- 2024-02-23📄incorporation-companyincorporation · NEWINC
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.
- +Young company: Only 2.3 years old — management layer unlikely to be developed.
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
cleanShareholders & 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 | 23/02/2024 |
Mr Michael Gerard Kneafsey Individual · British · DOB 08/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 23/02/2024 |
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
Active · Healthcare & medical · HG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAREFOUND HOME CARE (WILMSLOW) LIMITED→ 08809516 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CAREFOUND HOME CARE (YORK) LIMITED→ 14236057 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CATHEDRAL OSTEOPATHS LIMITED→ 11875655 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CC PHARMTECH SOLUTIONS LTD→ 15715959 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CHRYSALIS DYSPRAXIA AWARENESS C.I.C.→ 13706152 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| COCOON HARROGATE LTD→ 14344041 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CONTINUED CARE FROM OAKVILLE LTD→ 05025851 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| COPLEY PROPERTY SERVICES LIMITED→ 16363502 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CRISTIAN VICTOR SIMON HEALTHCARE LTD→ 16271730 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CROSSGATES OSTEOPATHIC PRACTICE LTD→ 04578950 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| CURO CARE DELAHEYS LIMITED→ 13360903 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CURO CARE DERWENT HALL LIMITED→ 16916769 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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 →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 | 13/09/2024 | — | |
| satisfied | Cumbria Nursing Services / Lakeland Care Services / Churchlake Care Cumbria Nursing Services Limited / Lakeland Care Services Limited / Churchlake Care LTD | A registered charge | 1 property | 13/09/2024 | 12/06/2025 | |
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | 1 property | 29/07/2024 | — |