Company Number: NI698042

Analysis Date: 2025-07-20 13:19 UTC

1. Risk Rating: LOW

Justification: CLOVER FACILITIES MANAGEMENT LTD is a newly incorporated micro-entity with a clean filing record and positive net current assets. The company shows no overdue filings, no indications of financial distress, and a modest but positive net asset position, which suggests low immediate solvency risk. The limited scale and recent establishment limit the depth of financial history but no red flags are evident from available data.

2. Key Concerns:

• Limited operating history: Incorporated in June 2023 with only one financial period reported, restricting assessment of operational stability and financial trends.
• Small scale and minimal employee base (average 1 employee), which may imply limited operational capacity and potential vulnerability to business disruptions.
• One director (Operations Director) resigned within four months of incorporation; while not necessarily problematic, this change warrants understanding the impact on operational continuity.

3. Positive Indicators:

• Positive net current assets (£9,977) indicate the company can meet short-term liabilities with current assets.
• No overdue accounts or confirmation statements; compliance with statutory filing requirements is up to date.
• Clear ownership structure with three directors each holding 25-50% share and voting rights, providing balanced control and possibly aligned management.
• Exemption from audit under small companies regime is appropriate given company size, reducing administrative burden.

4. Due Diligence Notes:

• Investigate the nature and impact of the Operations Director’s resignation shortly after incorporation on ongoing business operations.
• Confirm the company's business plan and revenue generation capacity considering its micro-entity status and limited employee base.
• Review cash flow forecasts and any contractual obligations to assess liquidity beyond balance sheet snapshots.
• Evaluate the experience and background of current directors in facilities management and related sectors to assess operational competence.
• Monitor future filings for growth indicators or emerging financial issues as the company matures.