CHARLTON ADVISORS LTD

Executive Summary

Charlton Advisors Ltd is a compliant, solvent micro-entity with a strong liquidity position for its size and age. However, limited operational history and concentrated ownership present typical early-stage risks. Continued monitoring and further operational due diligence are recommended to confirm long-term stability and growth prospects.

CHARLTON ADVISORS LTD - Analysis Report

Company Number: 14837500

Analysis Date: 2025-07-29 19:33 UTC

1. Risk Rating: LOW
   Charlton Advisors Ltd is a newly incorporated micro-entity with a healthy net asset position relative to its liabilities, no overdue filings, and a sole controlling director with a relevant professional background. The absence of employees and minimal fixed assets are consistent with typical early-stage consultancy operations, presenting low immediate solvency and liquidity risk.

2. Key Concerns:

• Limited operating history: Incorporated in May 2023, the company has less than two years of trading history, which inherently increases uncertainty about future operational stability.
• No employees and minimal fixed assets: The company relies heavily on the director(s) for operations, which may pose continuity risks if key personnel changes occur.
• Concentration of control: Ms. Emma Charlton holds 75-100% shares and voting rights, which may present governance and succession risks due to lack of diversification in control.

3. Positive Indicators:

• Positive net current assets of £24,857 and net assets of £24,617 as at 31 May 2024 indicate the company is currently solvent with a good liquidity buffer against short-term liabilities.
• No overdue accounts or confirmation statements, demonstrating compliance with statutory filing obligations and regulatory requirements.
• Director’s background in management consultancy aligns with the company’s SIC code (70229), suggesting operational focus and relevant expertise.
• The company qualifies as a micro-entity and has taken advantage of simplified reporting provisions, reducing compliance complexity and costs.

4. Due Diligence Notes:

• Review detailed profit and loss accounts, cash flow statements, and client contracts if available to assess revenue streams and operational sustainability beyond the balance sheet snapshot.
• Confirm whether any trade creditors or contingent liabilities exist that are not reflected in the current liabilities figure.
• Assess the business model’s scalability and dependence on the sole director, including plans for growth, hiring, or diversification of management.
• Verify the background and reputation of the controlling director for any adverse events not captured in public records that could impact future governance or financial stability.