AGILE BUSINESS PARTNERS LTD

Executive Summary

Agile Business Partners Ltd is a newly formed small private company with minimal equity and working capital, showing a high liquidity and solvency risk due to near parity between current assets and liabilities. While statutory compliance is up to date and directors assert going concern status, the company’s financial position is heavily reliant on director loans, underscoring the need for close scrutiny of cash flows and operational viability. Further due diligence should focus on debtor quality, financing arrangements, and business prospects to fully assess risk exposure.

AGILE BUSINESS PARTNERS LTD - Analysis Report

Company Number: 14980417

Analysis Date: 2025-07-29 15:06 UTC

1. Risk Rating: HIGH
   Given the extremely minimal net assets (£2), current liabilities nearly equal to current assets, and the company being newly incorporated with no evidence of trading profit or significant equity, there is a high risk that the company may struggle to meet its obligations or sustain operations without external support.

2. Key Concerns:

• Minimal Equity Buffer: Shareholders’ funds stand at £2, which offers virtually no cushion against operational losses or liabilities.
• Liquidity Tightness: Current liabilities (£60,032) are almost exactly matched by current assets (£60,034), leaving a negligible net working capital of £2, indicating very limited liquidity to manage day-to-day expenses or unforeseen outflows.
• Director’s Loan Dependency: The director has an interest-free loan to the company of approximately £59,902 repayable within nine months post year-end, suggesting reliance on director funding to meet liabilities rather than operating cash flow or external financing.

3. Positive Indicators:

• No Overdue Filings: The company’s accounts and confirmation statements are filed on time, indicating compliance with statutory requirements.
• Going Concern Assertion: The directors state that they consider the company a going concern with no material uncertainties, reflecting management confidence.
• Clear Ownership and Control: Two directors and shareholders with defined control percentages (each holding 25-50%) provide transparent governance structure.

4. Due Diligence Notes:

• Investigate the nature and timing of debtor balances (£60,034) to assess collectability and cash flow implications.
• Review the terms and repayment plan for the director’s loan and any plans for external financing or capital injection to improve liquidity.
• Obtain management forecasts and cash flow projections to evaluate the operational sustainability beyond the first accounting period.
• Clarify the company’s revenue generation, client base, and contract pipeline given the lack of reported turnover or profitability data.
• Verify if any contingent liabilities or off-balance sheet obligations exist that could impair solvency.