Established in 2014, Aruth Civil Railway Systems Ltd has continued to grow and expand within the civil engineering and railway sectors. With key personnel boasting over 15 years of experience in major building, civil, and railway projects across the UK, their team is uniquely positioned to deliver high-quality results. Their staff bears extensive experience in engineering and construction management, ensuring every project is executed to the highest standards of safety and quality.
Professional civil railway engineering to the highest standard.
We specialise in groundworks, reinforced concrete works, structural alterations, landscaping, and builder's works, undertaking complex and challenging projects. We take on package values up to £1M, a testament to our capacity and expertise. Our success has been built on a proven track record of delivering projects on time and within budget, earning us a reputation for reliability and a high percentage of repeat business from clients who value our flexible approach and commitment to 'getting the job done'.
Our services include Ground Works, RC Framework, Landscaping, External Works, Basement & Underpinning, Refurbishment / Structural Alteration and more. We take pride in supplying experienced and competent personnel, including engineers, carpenters, steel fixers, ground workers, concrete finishers, and labourers, all of whom contribute to the delivery of quality workmanship. Our team's ability to handle both the technical and practical aspects of each project ensures the success of our operations, no matter how complex the task at hand.
As we continue our journey of growth, we are excited to bring investors the opportunity to join us in shaping the future of civil and railway infrastructure across the UK. We are dedicated to maintaining our reputation for excellence, delivering top-tier results, and continuing to serve our clients with professionalism and integrity.
Credit Commentary:
Established in 2014, Aaruth Civil Railway System is engaged in the construction of civil engineering projects ranging from landscaping, drainage, refurbishment, and structural altercations to supplying labour personnel like engineers, carpenters, ground workers and Staff/operatives. The company has an Equifax score of B- and Mr. KUMARASAMY MURALY is the sole shareholder. The director Mr. KUMARASAMY MURALY is providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor to repay any shortfall on repayment. There have been no CCJs for the business or the director. The director of the company is a new homeowner with no record of adverse credit. The company needs funds for managing cash flows and working capital and carrying out different installation and groundwork-related projects specifically in London.
On analysis of its accounts, the entity has witnessed a steady growth in Turnover over the past three years (2024: £442k; 2023: 404k; 2022: £378k). Growth in turnover and contained administration-led expenses enabled the business to post growth of 32% in its Net Income (2024: £83k, 2023: £62k; 2022: £44k). The company’s EBITDA of £104k is enough to cover the proposed loan facility. The cash conversion cycle of the business is within the comfortable range, indicating smooth liquidity within the business. On the gearing side, the company has a small number of short-term loans (£16k). Finally, the bank statement demonstrates reasonable affordability, and the accounts show a moderate credit balance. Considering the current mitigants, the company has enough capabilities to afford and cover the loan proposed.
Inflation Risk:
The business advised that inflation, rather, positively impacts their business as the price charged for their contracts (revenue) increases with inflation.
Loan
