CTF ARCHITECTURE LTD

Executive Summary

CTF ARCHITECTURE LTD is a micro-entity architectural firm with stable regulatory compliance and positive net assets, indicating the ability to meet current obligations. However, the recent decline in net assets and minimal operational scale suggest moderate financial vulnerability. Further examination of cash flows, profitability, and business sustainability is recommended to fully assess risk.

CTF ARCHITECTURE LTD - Analysis Report

Company Number: 12461757

Analysis Date: 2025-07-20 12:25 UTC

1. Risk Rating: LOW to MEDIUM
   The company shows positive net current assets and net assets, indicating solvency. However, the decline in net assets from £4,209 (2023) to £2,510 (2024) and the small scale of operations warrant some caution.

2. Key Concerns:

• Declining net assets and net current assets over the last year, which could signal reduced financial buffer.
• Very small scale operations (only 1 employee/director), increasing dependency on key personnel and limiting operational resilience.
• Minimal share capital (£1.00) and low absolute asset values may constrain ability to absorb financial shocks or invest in growth.

3. Positive Indicators:

• Consistent filing of accounts and confirmation statements on time, demonstrating regulatory compliance.
• Positive net current assets and net assets suggest the company can meet short-term liabilities.
• Sole director and majority shareholder alignment (Mrs Chloe Fiorini) may allow agile decision-making and clear control.

4. Due Diligence Notes:

• Investigate reasons behind the notable drop in net assets year-on-year and assess sustainability of revenue and profitability.
• Review cash flow statements and income statements (not provided) for liquidity trends and earnings quality.
• Confirm operational model viability given the micro-entity status and single employee structure.
• Evaluate any contingent liabilities or off-balance sheet risks not visible in micro-entity accounts.
• Assess business pipeline and client concentration to understand future revenue stability.