AMBROSE AND ROSE LTD

Executive Summary

Ambrose and Rose Ltd is a recently incorporated private limited company operating in tour operator and consultancy sectors. It maintains a solvent financial position with positive net assets and no compliance issues, but its declining cash and debtor balances alongside a small operational footprint warrant closer review of liquidity and business sustainability. Overall, the company presents a low risk profile based on the available data, with some areas requiring further investigation to confirm operational stability.

AMBROSE AND ROSE LTD - Analysis Report

Company Number: 14070531

Analysis Date: 2025-07-29 16:42 UTC

1. Risk Rating: LOW
   Ambrose and Rose Ltd shows a stable financial position with positive net assets and shareholders' funds, no overdue filings, and an active status. The company is relatively new but maintains compliance and has no formal insolvency proceedings, indicating low immediate risk.

2. Key Concerns:

• Declining current assets and cash balance from £63,949 in 2023 to £28,400 in 2024, which could suggest tightening liquidity.
• Significant reduction in trade debtors from £9,077 to nil in the latest year may indicate changes in revenue recognition or client payment terms that warrant further scrutiny.
• Small scale of operations with only one employee (the director) and minimal share capital (£10), which may impact operational scalability and resilience.

3. Positive Indicators:

• Positive net current assets (£25,170) and net assets (£34,547) indicate a solvent company capable of meeting short-term liabilities.
• No overdue account or confirmation statement filings demonstrate good regulatory compliance and governance.
• The director holds full ownership and control, simplifying decision-making and accountability.
• Provisions for deferred tax have been recognized, indicating prudent accounting.
• Tangible fixed assets have increased slightly, suggesting some investment in operational capacity.

4. Due Diligence Notes:

• Investigate reasons for the large drop in debtors and cash balances between 2023 and 2024 to assess if this reflects operational changes or collection issues.
• Review the company's revenue streams and client base given the industry classification (tour operator and management consultancy) and small employee base to understand business sustainability.
• Confirm no related party transactions or director's current account balances pose risks, as £782 is owed to the director.
• Assess the impact of provisions for deferred tax on future cash flows.
• Verify nature and turnover of tangible assets to confirm ongoing capital investment and asset utilization.