COMM COMMERCIAL CONTRACTORS

At Comm Commercial, we’re proud of the trust we’ve built with our clients. Whether it’s a complex new build, a sensitive refurbishment, or a time-critical repair, we bring specialist knowledge and dependable service every time. Our work spans everything from single-ply and composite roofing to bespoke cladding systems, and we always use the highest quality materials from leading suppliers nationwide.

We don’t just deliver projects — we form lasting partnerships. Companies like Perfect Sense Energy and TMT have praised our consistency, responsiveness, and ability to deliver on time and on budget. From large-scale coating jobs in Bolton to high-spec rain screen cladding in Scunthorpe, we’ve proven we can handle technically demanding projects across sectors and regions.

Looking ahead, we’re excited to take Comm Commercial to the next level. Investment will support our continued growth, helping us scale operations while maintaining the service excellence our clients rely on. Our ambitions extend beyond business — we’re deeply committed to social impact too. We proudly support Flourish and Succeed, a local mental health charity focused on wellbeing in the construction sector, especially men's mental health — a cause close to our hearts and industry. We’d love for you to join us on this journey — growing stronger, together.

Credit Commentary:
Headquartered in Knowsley Industrial Park, Liverpool city, Comm Commercial Contractors specialise in roofing and cladding services for commercial properties. They have operated nationally since 2017,  providing solutions for new builds, repairs and refurbishments. Comm Commercial Contractors is owned by MW Properties (North West) Ltd, which is wholly owned by Warren Hughes. While Warren Hughes previously served as a Director, he has since retired from his directorship duties and now works part-time (2-3 days a week), having vested operational control in Michael Ward. Michael Ward currently serves as the Director of the Comm Commercial and is expected to receive shares in the company upon achievement of a specific target.

Both the director and shareholder of the company are providing personal guarantees, which means that should the business fail and there are insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall. Plus, both of them have a good credit profile and are homeowners with no outstanding mortgage, which enhances the strength of the personal guarantee provided, offering greater security and assurance of repayment capacity.  The company holds an Equifax report of D. There have been no CCJs for the business or the director. The company’s financial accounts have been prepared by its external accountants.
The company is seeking a loan to support its working capital requirements, driven by the need to fund implementation of newly secured work.

The company has maintained a good track record since inception, with constant profitability seen over the years. Retained earnings over the past few years stood at £155k in YE’ 2022, £112k in YE' 2023 and £202k in YE '2024. The turnover for YE Dec’24 stood at £2.9m (YE’23: £3.1m) with a much higher Operating Profit of £410K (YE’23: £76.7k). The comparatively lower operating profit of  £76.7k during YE '2023 was a result of reduced profit margins charged in a strategic move to gain a strong foothold in the industry. The EBIDTA at £440k and Debt Servicing ratio of 3.3x indicates a strong affordability for the loan proposed. The business accounts remain well in credit and the company currently has a good pipeline of confirmed and prospective projects, indicating continued business growth.

Inflation Risk:
As per the company’s management, the inflation has limited impact on direct costs, as they typically apply a 35% mark-up when quoting jobs, with slight variations based on job complexity. The service pricing is positioned mid market- as they don’t compete solely on price but rely on long term, trusted relationships with clients. Past/current inflationary periods have been mitigated by growth and economies of scale , a strategy to be followed in future as well.