ANDY LOLE SIP LTD

Executive Summary

ANDY LOLE SIP LTD is a recently established micro-entity with a solid balance sheet exhibiting strong liquidity and no regulatory filing issues. While the company benefits from positive net assets and current compliance, its short operational history and concentrated ownership warrant careful ongoing monitoring. Further due diligence on operational viability and governance is recommended to fully assess long-term stability.

ANDY LOLE SIP LTD - Analysis Report

Company Number: 15028109

Analysis Date: 2025-07-20 11:53 UTC

1. Risk Rating: LOW
   Justification: The company, ANDY LOLE SIP LTD, demonstrates a strong net asset position relative to its liabilities with net assets of £27,325 and positive working capital of £25,698 as of 31 July 2024. It is a recently incorporated micro-entity with no overdue filings, indicating good regulatory compliance and operational transparency. The minimal liabilities and positive equity reduce immediate solvency and liquidity concerns.

2. Key Concerns:

• Limited operational history: Incorporated in July 2023, the company has a short track record which limits insight into sustained financial performance and business stability.
• Single employee and micro-entity scale: The business is very small with only one employee, which may limit operational capacity and scalability.
• Ownership concentration: The majority shareholding and voting control rests with Mr. Andrew Lole (50-75%), with a significant minority held by Sarah Lole (25-50%), presenting potential governance risks if control is not balanced.

3. Positive Indicators:

• Strong liquidity metrics: Current assets significantly exceed current liabilities, providing comfortable short-term financial flexibility.
• No overdue statutory filings: Both accounts and confirmation statements are up to date, reflecting good governance and regulatory compliance.
• Positive net assets and shareholders’ funds: The company’s balance sheet shows a positive equity position, reflecting retained value and no signs of distress.

4. Due Diligence Notes:

• Verify nature and sustainability of revenue streams given the educational support services classification (SIC 85600).
• Review related party transactions or commitments, particularly given the family control structure.
• Obtain management insights on business plans and growth prospects given the micro scale and recent incorporation.
• Confirm absence of contingent liabilities or off-balance-sheet obligations not reflected in micro-entity accounts.
• Assess director and key personnel backgrounds for any adverse records or potential conflicts.