Company Number: 13010549

Analysis Date: 2025-07-20 14:17 UTC

1. Risk Rating: LOW
   The company presents a stable financial position with positive net current assets and shareholder funds significantly above the minimal share capital. Filings are current with no overdue accounts or confirmation statements, and the business appears operationally active with a reasonable asset base.

2. Key Concerns:

• Reliance on directors’ current accounts and loans (£31,892 combined) could indicate funding dependency that should be monitored for sustainability.
• Absence of an audit and limited disclosure (small company exemption) means less financial transparency, which could mask underlying issues.
• The company only recently changed its name (2022) and incorporated in 2020, making it a relatively young entity with limited financial history to assess long-term stability.

3. Positive Indicators:

• Solid net current assets (£20,530) and positive retained earnings (£41,824) show profitability and working capital strength.
• Cash balance increased substantially in the latest year (£25,989 vs. £1,000 prior), indicating improved liquidity.
• Directors include a chartered accountant and other professionals, suggesting experienced management overseeing the company.
• The company is fully compliant with filing deadlines and maintains an active website presence, reflecting good governance and transparency.

4. Due Diligence Notes:

• Review the nature and terms of directors’ loan accounts and current accounts to assess risk of withdrawal or repayment pressure.
• Obtain more detailed profit and loss data to understand revenue streams and expense structure, as this is not included in the filed accounts.
• Verify client concentration and contract stability, given the company’s classification in business support and employment placement activities.
• Confirm the absence of any contingent liabilities or off-balance sheet commitments not disclosed in the filings.
• Monitor management changes carefully; recent resignation of a director and appointment of a secretary may affect governance dynamics.