Company Number: 13128096

Analysis Date: 2025-07-20 11:02 UTC

1. Risk Rating: MEDIUM
   The company exhibits modest net assets and working capital, with a small capital base and limited financial scale typical of a micro-entity. While it remains active with no overdue filings, the low shareholders' funds and increasing long-term liabilities warrant close monitoring.

2. Key Concerns:

• Declining Net Assets: Net assets have decreased from £293 in 2023 to £133 in 2024, indicating erosion of equity and potential solvency concerns if the trend continues.
• Long-Term Creditors Growth: Creditors falling due after more than one year increased from £772 to £1,095, suggesting rising long-term financial obligations that may strain future cash flows.
• Minimal Capital and Scale: The share capital is only £100, and the business operates with a single employee, limiting operational resilience and financial flexibility.

3. Positive Indicators:

• Positive Net Current Assets: Current assets exceed current liabilities in both 2023 and 2024, reflecting a working capital surplus which supports short-term liquidity.
• On-Time Compliance: The company has filed accounts and confirmation statements within deadlines, indicating good regulatory compliance and governance discipline.
• Sole Director and Controlling Shareholder: The director’s full control over the company may allow for swift decision-making and streamlined management.

4. Due Diligence Notes:

• Investigate the nature and terms of long-term creditors to assess repayment schedules and covenants.
• Review the company’s cash flow statements (if available) to confirm liquidity beyond balance sheet snapshots.
• Assess business model sustainability given the micro scale and limited employee base, including client dependency and revenue sources.
• Confirm no director disqualifications or regulatory warnings exist beyond available data.