AMBER VALLEY SURVEYORS LIMITED

Executive Summary

Amber Valley Surveyors Limited shows marked financial improvement with strong net asset growth and positive working capital, alongside timely regulatory compliance. However, the emergence of significant long-term liabilities and the company's limited operational history present medium solvency and liquidity risks that warrant further scrutiny. Additional analysis of debt terms and operational cash flows is recommended to fully assess financial stability and sustainability.

AMBER VALLEY SURVEYORS LIMITED - Analysis Report

Company Number: 12939478

Analysis Date: 2025-07-20 16:18 UTC

1. Risk Rating: MEDIUM
   Amber Valley Surveyors Limited demonstrates improving net asset growth and positive working capital; however, the presence of significant long-term liabilities and limited financial history warrants a cautious outlook.

2. Key Concerns:

• Long-term Creditors: The company shows £37,994 in creditors falling due after one year as of 2024, a material increase from zero the prior year, indicating reliance on longer-term debt or obligations that need monitoring for repayment capacity.
• Limited Historical Data: Incorporated in late 2020, the company has a short operating history, limiting trend analysis and increasing uncertainty about sustained operational performance.
• Modest Share Capital and Scale: With only £100 in share capital and classified as a micro-entity with three employees, the company’s scale is small, which may constrain financial resilience in adverse conditions.

3. Positive Indicators:

• Strong Net Asset Growth: Net assets increased from £6,384 in 2023 to £59,337 in 2024, reflecting a significant improvement in the company’s financial position.
• Positive Net Current Assets: The company maintains net current assets of £34,070, indicating healthy short-term liquidity to meet immediate obligations.
• Timely Compliance: All filings, including accounts and confirmation statements, are up to date with no overdue reports, suggesting good governance and regulatory compliance.

4. Due Diligence Notes:

• Investigate the nature and terms of the £37,994 long-term creditors to assess repayment schedules and potential refinancing risks.
• Review profit and loss accounts and cash flow statements (not provided) to evaluate operational cash generation and sustainability.
• Confirm that there are no undisclosed contingent liabilities or related party transactions that may impact solvency.
• Assess the business model and market positioning within quantity surveying and management consultancy sectors to understand growth prospects and competitive risks.
• Validate director credentials and any potential conflicts of interest given both directors appear to be significant shareholders with equal control.