Company Overview
Curo Group (Albion) Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Wednesday 10 October 2001, so this is a well established company. Curo Group (Albion) Limited has been in business for 22 years and 8 months. The accounts status is group and the accounts are next due on Tuesday 31 December 2019.
Registered Address

The Maltings, River Place, Lower Bristol Road, Bath, BA2 1EP
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Companies House Data
Company NameCURO GROUP (ALBION) LIMITED
Company Number04302179
Registered Office AddressThe Maltings
 River Place
 BA2 1EP
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/10/2001
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2019
Accounts Last Made Up Date31/03/2018
Accounts Account CategoryGROUP
Returns Next Due Date07/11/2016
Returns Last Made Up Date10/10/2015
Previous Company NameChanged Date
SOMER HOUSING GROUP LIMITED08 Feb 2013
Directors & Members
Show Resigned
David Ashmore - Director
(British, 69 years old, born July 1955)
Director - Appointed 17 October 2016
 Active
Elaine Barnes - Director
(British, 63 years old, born November 1961)
Executive Director - Appointed 04 October 2016
 Active
Victor Da Cunha - Director
(British, 58 years old, born May 1966)
Group Chief Executive - Appointed 21 November 2016
 Active
Rick De Blaby - Director
(British, 64 years old, born January 1960)
Chief Executive - Appointed 17 October 2016
 Active
Simon Gibbs - Director
(British, 66 years old, born January 1958)
Finance Director - Appointed 20 February 2017
 Active
Secretaries
Show Resigned
Katherine Gullon - Secretary
Appointed 20 April 2018
 Active
Other Company Directorships
David Ashmore
No companies found
Elaine Barnes
MILESTONE CORPORATION LIMITED
NOTE UK LIMITED
Victor Da Cunha
BATH TOURISM PLUS LIMITED
CURO ENTERPRISE LIMITED
CURO FOUR LIMITED
CURO ONE LIMITED
CURO THREE LIMITED
CURO TWO LIMITED
EAST PLACE LIMITED
THE HEXAGON PROPERTY MANAGEMENT COMPANY LIMITED
TWELVE TREES (BROMLEY BY BOW) MANAGEMENT COMPANY LIMITED
WINSOR PARK MANAGEMENT COMPANY LIMITED
Rick De Blaby
CURO ENTERPRISE LIMITED
Simon Gibbs
CURO MARKET RENTED SERVICES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2015 31-Mar-2014
Balance Sheet
Fixed Assets 333,575,000 333,575,000 310,357,000
Current Assets 88,591,000 88,591,000 57,535,000
Creditors Due Within One Year 37,982,000 37,982,000 20,373,000
Working Cap 50,609,000 50,609,000 37,162,000
Total Assets Less Current Liabilities 384,184,000 384,184,000 347,519,000
Long-term Liabilities 277,259,000 277,259,000 249,454,000
Net Assets 106,925,000 106,925,000 98,065,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 102,490,000 102,490,000 96,689,000
Other Reserves 4,435,000 4,435,000 1,376,000
Shareholders Funds 106,925,000 106,925,000 98,065,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2015 31-Mar-2014
Tangible Fixed Assets - - -
Fixed Assets 79.0% 79.0% 84.4%
Stocks Inventory 14.5% 14.5% 11.7%
Debtors 0.2% 0.2% 0.5%
Cash Bank In Hand 5.3% 5.3% 2.4%
Current Assets 21.0% 21.0% 15.6%
Creditors Due Within One Year 9.0% 9.0% 5.5%
Net Current Assets Liabilities 12.0% 12.0% 10.1%
Creditors Due After One Year 65.7% 65.7% 67.8%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 25.3% 25.3% 26.7%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 24.3% 24.3% 26.3%
Shareholder Funds 25.3% 25.3% 26.7%
Capital Employed - - -
Total Assets Less Current Liabilities 91.0% 91.0% 94.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2015 31-Mar-2014
Liquidity Ratio 2.3 2.3 2.8
Solvency Ratio 1.3 1.3 1.4
Reserves to Assets 0.2 0.2 0.3
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2018 31-Mar-2015 31-Mar-2014
Assets 422,166,000 422,166,000 367,892,000
Debt 315,241,000 315,241,000 269,827,000
Net Assets/Debt 106,925,000 106,925,000 98,065,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around BA2 1EP
FREEDOM CHURCHES LIMITED
FREEDOM HOUSE, LOWER BRISTOL ROAD, BATH, BA2 1EP
TRAUMA RECOVERY CENTRE
Freedom House, Lower Bristol Road, Bath, BA2 1EP
FREEDOM-BATH
Freedom House, Lower Bristol Road, Bath, Somerset, BA2 1EP
CURO MARKET RENTED SERVICES LIMITED
THE MALTINGS RIVER PLACE, LOWER BRISTOL ROAD, BATH, SOMERSET, BA2 1EP
SOMER CONTRACT SERVICES LIMITED
The Maltings Riverplace, Lower Bristol Road, Bath, BA2 1EP
FREEDOM BATH & BRISTOL DEVELOPMENTS LIMITED
FREEDOM HOUSE, LOWER BRISTOL ROAD, BATH, SOMERSET, BA2 1EP
CURO FOUR LIMITED
The Maltings River Place, Lower Bristol Road, Bath, BA2 1EP
CURO ENTERPRISE LIMITED
THE MALTINGS RIVER PLACE, LOWER BRISTOL ROAD, BATH, BA2 1EP
Document Filings
Miscellaneous
Resolutions
Confirmation statement made on 10 October 2018 with no updates
Termination of appointment of Victor Da Cunha as a secretary on 20 April 2018
Appointment of Ms Katherine Gullon as a secretary on 20 April 2018
Termination of appointment of Emily Wilson as a secretary on 20 April 2018
Appointment of Emily Wilson as a secretary on 20 November 2017
Termination of appointment of Philippa Armstrong as a secretary on 21 November 2017
Confirmation statement made on 10 October 2017 with no updates
Director's details changed for Mr Richard Nathan Stillwell on 8 September 2017
Appointment of Mr Simon David Gibbs as a director on 20 February 2017
Termination of appointment of Dermot Gerard Courtier as a director on 20 February 2017
Resolutions
Memorandum and Articles of Association
Appointment of Mr Christopher John Wilson as a director on 21 November 2016
Appointment of Mr Victor Manuel Silva Da Cunha as a director on 21 November 2016
Appointment of Mr David Ashmore as a director on 17 October 2016
Rectified The AP01 was remove from the public register on 18/01/2017 as it is invalid or ineffective
Appointment of Ms Elaine Barnes as a director on 4 October 2016
Appointment of Mr Rick De Blaby as a director on 17 October 2016
Termination of appointment of Brian Tapp as a director on 17 October 2016
Termination of appointment of Martin William Nurse as a director on 17 October 2016
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