Company Overview
Curo Software Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 20 September 2012, so this is a well established company. Curo Software Ltd has been in business for 13 years and 6 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

8 Osborne Promenade, Warrenpoint, Newry, Co. Down, BT34 3NQ
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Companies House Data
Company NameCURO SOFTWARE LTD
Company NumberNI614561
Registered Office Address8 Osborne Promenade
 Warrenpoint
 BT34 3NQ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date20/09/2012
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date18/10/2016
Returns Last Made Up Date20/09/2015
Directors & Members
Show Resigned
Brian Murphy - Director
(Irish, 56 years old, born March 1970)
Appointed 20 September 2012
 Active
Adrian Walls - Director
(Irish, 49 years old, born July 1977)
Appointed 20 September 2012
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Brian Murphy
CSGH LTD
CURO SOFTWARE GROUP LTD
K-POINT INTERNET SOLUTIONS LIMITED
RENTPRO LTD
SHOWHOUSE SOFTWARE LTD
TWO SPIRES TECHNOLOGY LTD
Adrian Walls
CSGH LTD
CURO SOFTWARE GROUP LTD
OAKLEAF TECHNOLOGY LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Balance Sheet
Fixed Assets 1,122 1,122 0
Current Assets 43,223 43,223 13,739
Creditors Due Within One Year 642 642 1,832
Working Cap 42,581 42,581 11,907
Total Assets Less Current Liabilities 43,703 43,703 11,907
Long-term Liabilities 19,971 19,971 427
Net Assets 23,732 23,732 11,480
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 23,732 23,732 11,480
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Tangible Fixed Assets - - -
Fixed Assets 2.5% 2.5% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.5% 97.5% 100.0%
Creditors Due Within One Year 1.4% 1.4% 13.3%
Net Current Assets Liabilities 96.0% 96.0% 86.7%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 53.5% 53.5% 83.6%
Capital Employed - - -
Total Assets Less Current Liabilities 98.6% 98.6% 86.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Liquidity Ratio 67.3 67.3 7.5
Solvency Ratio 2.2 2.2 6.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Assets 44,345 44,345 13,739
Debt 20,613 20,613 2,259
Net Assets/Debt 23,732 23,732 11,480

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 presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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 presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   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 presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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 BT34 3NQ
LOUGHVIEW LOGISTICS LIMITED
8 Osborne Promenade, Warrenpoint, Co. Down, BT34 3NQ
K-POINT INTERNET SOLUTIONS LIMITED
8 Osborne Promenade, Warrenpoint, County Down, BT34 3NQ
RENTPRO LTD
8 Osborne Promenade, Warrenpoint, Newry, County Down, BT34 3NQ
IRWIN CARR LTD
7 OSBORNE PROMENADE, WARRENPOINT, COUNTY DOWN, BT34 3NQ
DBSEA LIMITED
7 OSBORNE PROMENADE, WARRENPOINT, CO. DOWN, BT34 3NQ
SHOWHOUSE SOFTWARE LTD
8 Osborne Promende, Warrenpoint, Newry, Co. Down, BT34 3NQ
SCOTIA TECHNOLOGY HOLDINGS LIMITED
UNIT 2 8 OSBORNE PROMENADE, WARRENPOINT, NEWRY, DOWN, BT34 3NQ
SCOTIA TECHNOLOGY UK LIMITED
UNIT 2 8 OSBORNE PROMENADE, WARRENPOINT, NEWRY, BT34 3NQ
Document Filings
Confirmation statement made on 20 September 2025 with no updates
Confirmation statement made on 20 September 2024 with no updates
Confirmation statement made on 20 September 2023 with updates
Notification of Csgh Ltd as a person with significant control on 31 January 2023
Cessation of Arthur Online Limited as a person with significant control on 31 January 2023
Termination of appointment of Rajeev Kumar Nayyar as a director on 31 January 2023
Termination of appointment of Diarmid Liam Sloan as a director on 31 January 2023
Termination of appointment of Patrick Masato Izawa Caulfield as a director on 31 January 2023
Confirmation statement made on 20 September 2022 with no updates
Termination of appointment of Rochelle Simone Trup as a director on 20 April 2022
Appointment of Mr Patrick Masato Izawa Caulfield as a director on 20 April 2022
Appointment of Mr Rajeev Kumar Nayyar as a director on 20 April 2022
Confirmation statement made on 20 September 2021 with updates
Cessation of Adrian Gerard Walls as a person with significant control on 2 July 2021
Cessation of Diarmid Liam Sloan as a person with significant control on 2 July 2021
Notification of Arthur Online Limited as a person with significant control on 2 July 2021
Cessation of Brian Martin Murphy as a person with significant control on 2 July 2021
Appointment of Mrs Rochelle Simone Trup as a director on 2 July 2021
Notification of Adrian Gerard Walls as a person with significant control on 6 April 2016
Notification of Diarmid Liam Sloan as a person with significant control on 6 April 2016
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