ANDREW CRAIG JR LTD

Executive Summary

Andrew Craig Jr Ltd currently presents a high risk profile driven by significant negative working capital and shareholders’ funds, raising concerns about its ability to meet short-term obligations. While compliant with filing requirements and actively trading in the real estate sector, the company’s financial position suggests operational and liquidity challenges that warrant close scrutiny. Further investigation into liabilities and cash flows is recommended to fully assess financial stability.

ANDREW CRAIG JR LTD - Analysis Report

Company Number: 13106958

Analysis Date: 2025-07-20 11:03 UTC

1. Risk Rating: HIGH
   The company exhibits significant solvency and liquidity concerns as evidenced by persistent and materially negative net current assets and shareholders' funds, indicating an inability to meet short-term liabilities from current assets.

2. Key Concerns:

• Severe Negative Net Current Assets: The company’s net current liabilities have worsened dramatically from -£9,446 in 2022 to -£72,452 in 2024, signaling growing liquidity pressures.
• Consistent Negative Shareholders’ Funds: Shareholders’ funds mirror the net current asset deficiency, reflecting accumulated losses or capital erosion since incorporation.
• Small Scale with Limited Capital: Operating as a micro-entity with minimal share capital (£100) and only 3 employees, the company likely has limited resources to absorb financial shocks or expand operations.

3. Positive Indicators:

• Up-to-Date Filings: The company is current with its accounts and confirmation statements, indicating compliance with statutory requirements and no immediate regulatory filing risks.
• Active Website and Operational Presence: The active website with contact details and VAT registration suggests ongoing business activity in the real estate agency sector.
• Director Continuity: The sole director has been in place since incorporation, providing management stability.

4. Due Diligence Notes:

• Investigate the nature and maturity profile of the £77,243 current liabilities to assess immediate solvency risks.
• Review cash flow statements (if available) to determine operational liquidity and funding sources.
• Clarify whether the negative shareholders’ funds arise from operating losses, capital withdrawals, or other factors.
• Assess the company’s business model sustainability given the financial strain and competitive real estate market conditions.
• Confirm absence of director disqualifications or other governance issues, although none are indicated here.