Company Number: 14157142

Analysis Date: 2025-07-29 16:30 UTC

1. Risk Rating: LOW
   Derby Estates Services Ltd exhibits a solid liquidity position with current assets exceeding current liabilities, a positive net asset position, and no overdue statutory filings. The company is relatively new but shows improving financial metrics and no evident operational or compliance issues.

2. Key Concerns:

• Modest Scale and Maturity: Incorporated in mid-2022, it has a short trading history which limits trend analysis and forecasting reliability.
• Low Asset Base: Total net assets are minimal (£6,047 as of 2024), indicating limited financial buffer against unexpected costs or downturns.
• No Employees: The company reported zero employees, which may point to reliance on contractors or the director alone, potentially raising operational scalability and continuity concerns.

3. Positive Indicators:

• Positive Working Capital: Current assets of £22,944 against current liabilities of £16,897 provide a net current asset position of £6,047, suggesting the company can meet short-term obligations.
• Timely Compliance: No overdue accounts or confirmation statements, reflecting good regulatory adherence.
• Sole Director and PSC Alignment: Director Mohammed Yaqub Hussain holds 75-100% control, ensuring clear governance and decision-making responsibility.
• Industry Focus: Operating in real estate management and agencies (SIC 68320, 68310), with a functional active website supporting business visibility.

4. Due Diligence Notes:

• Investigate the nature and sustainability of revenue streams given limited asset base and no recorded employees.
• Review cash flow patterns and underlying contracts to assess operational stability and reliance on the director or external service providers.
• Confirm there are no contingent liabilities or pending legal issues not disclosed in the filleted accounts.
• Verify the director’s experience and capacity to manage all operational aspects given sole control and no employee base.
• Assess market position and competitive environment to understand growth prospects and risks.