CHOW DATA CONSULTANCY LIMITED

Executive Summary

Chow Data Consultancy Limited presents a low-risk profile based on its strong liquidity, growing net assets, and up-to-date regulatory compliance. However, the company’s micro-entity status, single director control, and unaudited accounts warrant further review to confirm operational sustainability and governance robustness. Overall, the financial data supports confidence in the company’s current solvency and liquidity.

CHOW DATA CONSULTANCY LIMITED - Analysis Report

Company Number: 14685151

Analysis Date: 2025-07-29 14:56 UTC

1. Risk Rating: LOW
   Chow Data Consultancy Limited demonstrates a solid financial position for a micro-entity with increasing net assets and working capital. The company is current on statutory filings and shows no signs of financial distress or governance issues.

2. Key Concerns:

• Limited Scale and Single Director Control: As a micro-entity with only one director and one employee, the company’s operational continuity depends heavily on this individual, which could pose succession or operational risk.
• Unaudited Accounts: The financial statements are prepared under micro-entity provisions and are unaudited, limiting the depth of assurance regarding financial accuracy.
• Concentration of Control: The sole director, Mr. Chun Bong Chow, holds 75-100% ownership and voting rights, which may limit checks and balances in governance.

3. Positive Indicators:

• Strong Liquidity Position: The company’s current assets significantly exceed current liabilities (£62,171 vs. £18,209), providing a robust liquidity buffer to meet short-term obligations.
• Growing Net Assets: Net assets more than doubled from £20,421 in 2024 to £44,597 in 2025, indicating positive net worth growth.
• Compliance and Timely Filings: Both accounts and confirmation statement filings are up to date with no overdue notices, reflecting good regulatory compliance.
• No Indications of Insolvency or Liquidation: The company is active and not subject to any insolvency proceedings.

4. Due Diligence Notes:

• Verify the nature of current assets to confirm they include readily realizable cash or equivalents versus receivables or stock.
• Review the company’s revenue streams and client base to assess operational sustainability beyond the micro-entity classification.
• Assess any related party transactions or financial commitments that may not be fully disclosed in micro-entity accounts.
• Confirm director’s business background and any potential conflicts given the sole control and single point of failure risk.
• Monitor future filings to ensure continued compliance and financial health as the company grows.