CURTIS INVESTMENTS LTD
🌱Startupactive
SC845561 · ltd · incorporated 2025-04-17
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.
Why now
Window opening · high confidence
More negotiable than before — 4 signals weakening over the last 30 days.
- · Deal-killer verdict: clean → workable
- · Opportunity score: 76 → 70
- · Bankability: 70 → 60
- · Refinance opportunity: clean_up_first → too_messy
Opportunity decay
softening · 6-months
Softening — cumulative signals suggest this becomes more negotiable over the next 3–6 months.
- · 8 recent signals weakening vs 4 strengthening
What changed my view
Last 30 days
Mixed signals in the last 30 days — 2 improved, 4 worsened.
- ↑Deal-killer verdict: clean → workable
- ↓Opportunity score: 76 → 70
- ↓Bankability: 70 → 60
- ↓Live charges: 2 → 12
- ↑Filings: 3 → 14
- +2 more
Last 90 days
Mixed signals in the last 90 days — 2 improved, 4 worsened.
- ↑Deal-killer verdict: clean → workable
- ↓Opportunity score: 76 → 70
- ↓Bankability: 70 → 60
- ↓Live charges: 2 → 12
- ↑Filings: 3 → 14
- +2 more
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 70/100 (strong), bankability 60/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
12 live charges · oldest 0.9y
30/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.9 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
12 charges (12/12 with lender, 12/12 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
1 connected companies via shared directors
48
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
10
filings
- • 10 mortgage
Last 180 days
11
filings
- • 10 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-06-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-20🔒Charge registered #12Lender: The Mortgage Works (UK) PLC
- 2026-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-02🔒Charge registered #11Lender: The Mortgage Works (UK) PLC
- 2026-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22🔒Charge registered #10Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #9Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #8Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #7Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2026-05-22🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2026-05-21🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2025-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-05🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2025-09-02🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2025-04-17🏢Company incorporatedAs CURTIS INVESTMENTS LTD
- 2025-04-17➕CURTIS, Darren appointeddirector
- 2025-04-17➕CURTIS, Victoria appointeddirector
- 2025-04-17📄incorporation-companyincorporation · NEWINC
Owner dependency
94/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CURTIS" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.3 years old — management layer unlikely to be developed.
Red flags
1 med · 1 low12 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-06-20: A registered charge; 2026-06-02: A registered charge; 2026-05-22: A registered charge
12 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Darren Curtis Individual · British · DOB 12/1965 · age 61 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 17/04/2025 |
Mrs Victoria Curtis Individual · British · DOB 01/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 17/04/2025 |
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 · Property · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PCM PROPERTIES LIMITED→ SC142138 · est 1993 | £1.18M £1.01M–£1.36M | — | £1.18M | — | 33y | 82 | 68y |
| G.W. DOUGLAS PROPERTY & GARAGE COMPANY LIMITED→ SC031202 · est 1955 | £1.10M £938.6k–£1.27M | — | £1.10M | — | 70y | 82 | 70y |
| MVPR LIMITED→ SC240584 · est 2002 | £753.5k £640.4k–£866.5k | — | £753.5k | — | 23y | 82 | 69y |
| A J W PROPERTIES (SCOTLAND) LIMITED→ SC254914 · est 2003 | £631.0k £536.4k–£725.7k | — | £631.0k | — | 22y | 82 | 73y |
| BENTHEAD DEVELOPMENTS LIMITED→ SC123999 · est 1990 | £469.5k £399.1k–£539.9k | — | £469.5k | — | 36y | 82 | 65y |
| ABBEYFORT HOLIDAYS LIMITED→ SC301687 · est 2006 | £408.0k £346.8k–£469.2k | — | £408.0k | — | 20y | 83 | 61y |
| TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→ SC058985 · est 1975 | £392.5k £333.7k–£451.4k | — | £392.5k | — | 50y | 83 | 79y |
| STARK'S PARK PROPERTIES LTD→ SC226922 · est 2002 | £337.6k £287.0k–£388.3k | — | £337.6k | — | 24y | 82 | 75y |
| GOOD NEWS (DUNFERMLINE) LIMITED→ SC168501 · est 1996 | £126.6k £107.6k–£145.6k | — | £126.6k | — | 29y | 82 | 67y |
| SUMMITS INVESTMENTS LIMITED→ SC169947 · est 1996 | £123.7k £105.1k–£142.3k | — | £123.7k | — | 29y | 82 | 73y |
| REGENTS ESTATES AND MORTGAGES LIMITED→ SC252333 · est 2003 | £107.7k £91.5k–£123.8k | — | £107.7k | — | 23y | 82 | 64y |
| RUMOURS (KIRKCALDY) LTD.→ SC240082 · est 2002 | £58.1k £49.4k–£66.9k | — | £58.1k | — | 23y | 82 | 61y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2025-04-17
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
18-20 North Street
Glenrothes
KY7 5NA
Scotland
Filing status
Accounts
Next due: 2027-01-17
Last made up to: —
Confirmation statement
Next due: 2027-04-30
Last: 2026-04-16
Officers (2 active · 0 resigned)
CURTIS, Darren→
Activedirector · ~61y · appointed 2025-04-17
View their other companies + combined net worth →
CURTIS, Victoria→
Activedirector · ~51y · appointed 2025-04-17
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
12
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/06/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/06/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 21/05/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 05/09/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/09/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-03
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
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-10
incorporation-company
incorporation · NEWINC
2025-04-17