CURTIS INVESTMENTS LTD
🌱Startupactive
SC845561 · ltd · incorporated 2025-04-17
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
76/100
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 76/100 (strong), bankability 70/100. 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
2 live charges · oldest 0.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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
2 charges (2/2 with lender, 2/2 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
3 filings
60
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
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (8 events)Click to expand
- 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 1.0 years old — management layer unlikely to be developed.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
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.
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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.
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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.
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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: 2026-04-30
Last: —
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
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| 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 (3 total)
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