CAMPBELL FINANCE SOLUTIONS LIMITED

Executive Summary

Campbell Finance Solutions Limited exhibits significant solvency and liquidity concerns as reflected in its 2023 micro-entity accounts, which show net liabilities and declining current assets. While compliance with filing obligations and experienced management are positive factors, the company’s small scale and financial deterioration warrant careful scrutiny. Further due diligence into the causes of financial stress and future business plans is recommended before considering investment exposure.

CAMPBELL FINANCE SOLUTIONS LIMITED - Analysis Report

Company Number: 13088954

Analysis Date: 2025-07-19 12:45 UTC

1. Risk Rating: HIGH
   Justification: The company’s latest filed accounts show negative net current assets and net liabilities, indicating insolvency at the balance sheet date. This presents a significant solvency risk and raises concerns about the company’s ability to meet its short-term obligations.

2. Key Concerns:

   • Solvency issues: The 2023 accounts report net current liabilities of £7,874 and total net liabilities of the same amount, a deterioration from previous years’ positive net assets, signaling financial distress.
   • Liquidity constraints: Current assets have declined from £11,720 in 2022 to £8,922 in 2023, while current liabilities remain high, suggesting cash flow pressure and potential difficulties in meeting immediate obligations.
   • Small scale and limited capital: As a micro-entity with share capital of only £1.00 and just one employee in 2023, the company’s operational scale is minimal, which may limit its ability to generate revenue or absorb financial shocks.

3. Positive Indicators:

   • No overdue filings: The company is up to date with accounts and confirmation statement filings, indicating compliance with statutory requirements and good governance on this front.
   • Experienced director: The sole director is an accountant, which may imply competent financial management and oversight.
   • Consistent control: Ownership and control appear consolidated under a single individual, potentially enabling swift decision-making.

4. Due Diligence Notes:

   • Investigate cause of financial deterioration: Review management accounts and cash flow forecasts to understand why net liabilities emerged in 2023 after prior years of modest net asset positions.
   • Assess going concern status: Clarify with director(s) how the company plans to address solvency and liquidity challenges moving forward.
   • Examine related party transactions: Given the sole director’s significant control, check for any related party loans or guarantees that may impact financial stability.
   • Confirm operational viability: Understand the revenue model and client base to assess whether the company can sustain and grow its business given its size.