CHARLES LOUIS LETTINGS & PROPERTY MANAGEMENT LIMITED

Executive Summary

Charles Louis Lettings & Property Management Limited shows a stable financial position with growing net current assets and no overdue filings, indicating low immediate risk. However, the company’s small scale, modest equity, and reliance on limited personnel highlight areas for monitoring operational and financial flexibility. Further due diligence on debt terms, receivables, and staffing is advised to ensure ongoing stability.

CHARLES LOUIS LETTINGS & PROPERTY MANAGEMENT LIMITED - Analysis Report

Company Number: 13128141

Analysis Date: 2025-07-19 13:05 UTC

1. Risk Rating: LOW
   The company demonstrates positive net current assets, consistent growth in shareholders’ funds, and no overdue filings. The financial statements indicate sound working capital and no immediate signs of distress. The absence of audit requirements and the small scale of operations limit detailed financial insight but do not flag solvency or liquidity concerns at this stage.

2. Key Concerns:

• Reliance on a small number of employees (average 2 in 2024) which may pose operational risks if key personnel leave.
• Presence of bank loans and overdrafts (£5,255) within current liabilities requires monitoring of cash flow management.
• Limited equity base (£100 share capital) with most funding via retained earnings; may restrict capacity for significant expansion or shock absorption.

3. Positive Indicators:

• Net current assets increased from £9,890 in 2023 to £14,789 in 2024, evidencing improved liquidity position.
• Consistent payment of statutory filings with no overdue accounts or confirmation statements.
• Active web presence with clear contact details, supporting operational transparency and client engagement.
• Directors appear stable with no disqualifications or governance irregularities noted.

4. Due Diligence Notes:

• Verify the nature and terms of the bank loans and overdrafts to assess repayment risk and covenant compliance.
• Examine the debtor aging profile to ensure receivables are collectible within normal terms.
• Investigate the reason for the reduction in employee numbers from 4 to 2 and its impact on operational capacity.
• Review any related party transactions, especially directors’ current accounts and whether these represent loans or equity injections.
• Confirm the company’s business model sustainability given the SIC code related to letting and property management and market conditions.