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.