Company Number: SC697677

Analysis Date: 2025-07-29 18:57 UTC

1. Risk Rating: LOW
   Amy Dey Personal Training Ltd exhibits a low risk profile based on the available financial and compliance data. The company is current with all filings, maintains positive net assets, and shows a stable liquidity position relative to its size.

2. Key Concerns:

• Declining net assets: Net assets decreased from £16,108 in 2023 to £12,034 in 2024, indicating a reduction in equity that warrants monitoring.
• Small scale of operations: As a micro-entity with only one employee and modest asset base, the company may be vulnerable to operational shocks or cash flow volatility.
• Limited financial transparency: The accounts are unaudited and prepared under micro-entity provisions, limiting insight into detailed financial performance or risks.

3. Positive Indicators:

• Positive working capital: Net current assets remain positive at £6,153, suggesting the company can meet short-term liabilities.
• Compliance: All statutory accounts and confirmation statements are filed on time with no overdue filings.
• No insolvency indicators: The company is active, not in liquidation or administration, and shows no signs of financial distress.

4. Due Diligence Notes:

• Investigate the cause of the decline in net assets and whether it reflects operational losses or asset write-downs.
• Review cash flow statements or bank statements if available to confirm liquidity beyond the balance sheet snapshot.
• Assess business sustainability given the small scale and sole director structure, including dependency on key personnel.
• Confirm no undisclosed contingent liabilities or related party transactions that could impact solvency.