Company Number: 12507075

Analysis Date: 2025-07-29 12:08 UTC

1. Risk Rating: LOW to MEDIUM
   The company demonstrates positive net current assets in the latest year and maintains a modest equity base. However, the presence of director loans and a recent increase in long-term liabilities require monitoring.

2. Key Concerns:

• Director Loans: An unsecured, interest-free loan to directors of £4,617 is disclosed, which may indicate reliance on director financing and potential related party risk.
• Increasing Long-Term Liabilities: £7,600 of creditors falling due after more than one year appears in 2024 accounts, whereas none were reported prior year, which could affect solvency if not managed prudently.
• Low Employee Count and Micro Entity Status: With only 1 employee reported and micro entity filing status, the business scale is very small, possibly limiting operational resilience and growth capacity.

3. Positive Indicators:

• Improved Liquidity: Current assets increased substantially from £5,652 in 2023 to £21,466 in 2024, improving net current assets from a deficit to £9,966 positive.
• Consistent Net Assets: Net assets remain stable around £12,561, indicating no significant erosion of shareholder equity.
• Timely Compliance: No overdue filings for accounts or confirmation statements, suggesting good regulatory compliance and governance discipline.

4. Due Diligence Notes:

• Review the nature and terms of the director loan, including repayment history and any potential conflicts of interest.
• Investigate the composition and maturity profile of the £7,600 long-term liabilities to assess repayment risk.
• Obtain management commentary or forecasts to understand business sustainability given the micro scale and limited employee base.
• Confirm absence of any director disqualifications or regulatory issues not disclosed in the public data.
• Assess revenue trends and profitability details, not provided here, to evaluate operational stability.