3STONELAKE LTD

Executive Summary

3STONELAKE LTD is a newly incorporated private limited company showing a strong initial liquidity position with positive net assets and no overdue filings. The company's financial stability appears sound based on available data, though limited operating history and reliance on director funding warrant ongoing monitoring. Overall, the risk profile is low but warrants further due diligence on accrued liabilities and operational sustainability.

3STONELAKE LTD - Analysis Report

Company Number: 15437089

Analysis Date: 2025-07-20 15:50 UTC

1. Risk Rating: LOW
   The company appears financially stable with positive net current assets and net assets, no overdue filings, and no indication of insolvency or financial distress. The director has full control and the company is newly incorporated, which limits historical risk assessment but current data shows sound position.

2. Key Concerns:

• Limited Financial History: Being incorporated in January 2024, there is minimal financial track record to assess trends or operational stability.
• Reliance on Director Loan: A significant portion of current liabilities (£785) is a director's loan, which could pose risk if not managed prudently.
• Accrued Liabilities and Deferred Income: The large accrued liabilities and deferred income (£21,668) should be monitored to ensure these obligations are met timely.

3. Positive Indicators:

• Positive Net Current Assets: £14,447 after deducting current liabilities from current assets indicates sufficient short-term liquidity.
• Cash Position: Nearly all current assets are cash (£40,341), suggesting immediate availability of funds to meet liabilities.
• Compliance: No overdue accounts or confirmation statements demonstrate good regulatory compliance within first year.

4. Due Diligence Notes:

• Investigate nature and terms of accrued liabilities and deferred income to assess timing and certainty of outflows.
• Review director loan agreement details to understand repayment terms and potential financial impact.
• Monitor operational progress and revenue recognition policies given the company’s engagement in multiple complex SIC code activities (tour operator, biotech R&D, consultancy) for sustainability analysis.
• Confirm ongoing compliance with filing deadlines as company matures and expands operations.