Company Number: 14525506

Analysis Date: 2025-07-20 14:07 UTC

1. Risk Rating: LOW
   COGGAN CREATIVE LIMITED appears financially stable based on its latest micro-entity accounts. The company has positive net assets and net current assets, no overdue filings, and no indications of financial distress.

2. Key Concerns:

• Limited financial history: Incorporated in late 2022 with only one set of accounts filed, which restricts trend analysis and long-term risk assessment.
• Modest working capital: Net current assets of £28,001 are positive but relatively low, which may constrain liquidity under adverse conditions.
• Small scale operations: Only 2 employees and micro-entity status suggest limited operational scale and potential vulnerability to market fluctuations.

3. Positive Indicators:

• Positive net assets of £121,682 indicate the company has more assets than liabilities, supporting solvency.
• No overdue accounts or confirmation statements, reflecting good regulatory compliance and governance.
• Directors hold significant ownership and voting rights, implying alignment of control and interest.
• The company operates in management consultancy, a sector with low capital intensity and generally stable cash flows.

4. Due Diligence Notes:

• Review detailed profit and loss data (not included) to assess profitability, cash generation, and expense structure.
• Confirm the nature and liquidity of current assets, particularly the composition of the £164,341 figure.
• Assess client base and contract stability given the small scale and recent formation.
• Verify no contingent liabilities or off-balance sheet risks exist beyond the balance sheet snapshot.
• Monitor future filings and business development progress as the company matures.