APSL CONSULTING LTD

Executive Summary

APSL Consulting Ltd demonstrates a healthy liquidity position and compliance with statutory requirements despite its recent incorporation and limited financial history. The director loan balance is a notable related-party transaction that should be monitored for potential liquidity impact. Overall, the company presents a low-risk profile at this early stage, contingent on continued operational performance and prudent financial management.

APSL CONSULTING LTD - Analysis Report

Company Number: 15128512

Analysis Date: 2025-07-29 12:08 UTC

1. Risk Rating: LOW
   Justification: APSL Consulting Ltd, a micro-entity incorporated in 2023, shows a solid net asset position (£36,091) with net current assets of £36,582, indicating positive working capital and no overdue filings. The company is active, compliant with filing deadlines, and has no signs of financial distress or regulatory issues based on available data.

2. Key Concerns:

• Director Loan: The company is owed £16,210 by a director at year end, which could affect liquidity if not repaid timely. Interest is charged, but this related-party transaction warrants monitoring.
• Limited Operating History: Incorporated less than a year ago, limited financial history restricts assessment of operational stability and profitability trends.
• Minimal Fixed Assets: The company holds only £1,669 in fixed assets, suggesting a service-based model reliant on intangible or human capital, which may affect collateral availability for credit.

3. Positive Indicators:

• Strong Liquidity Position: Current assets significantly exceed current liabilities, providing a comfortable short-term liquidity buffer.
• Clean Compliance Record: No overdue accounts or confirmation statement filings, indicating good governance and regulatory compliance.
• Balanced Shareholder Control: Two directors each hold 25-50% shares and voting rights, reflecting stable and aligned ownership without dominance risk.

4. Due Diligence Notes:

• Investigate nature and terms of the director loan: repayment schedule, interest rate, and impact on cash flow.
• Review business model and revenue streams to assess sustainability given micro-entity status and limited fixed assets.
• Monitor future filings to detect any changes in financial health or governance issues as the company matures.
• Clarify employment and operational scale given the average of two employees to understand scalability and cost structure.