Company Number: 14903821

Analysis Date: 2025-07-20 12:31 UTC

1. Risk Rating: HIGH
   The company shows significant financial weakness with net liabilities of £6,804 shortly after incorporation. Current liabilities exceed current assets by a substantial margin, indicating potential solvency issues.

2. Key Concerns:

• Negative net current assets (-£6,804) imply inability to meet short-term obligations from current resources.
• Net liabilities position overall suggests capital erosion and insufficient equity buffer.
• No employees and minimal cash reserves (£2,767) raise questions about operational sustainability and ability to generate revenue.

3. Positive Indicators:

• Company is compliant with filing deadlines, indicating good governance and regulatory adherence to date.
• Ownership and control are consolidated under a single individual, which may allow for streamlined decision-making.
• The company operates in the retail mail order/internet sales sector, which can scale flexibly with low fixed costs.

4. Due Diligence Notes:

• Investigate the nature of the creditors and payment terms to understand liquidity pressures.
• Review business plan and cash flow forecasts to assess how the company intends to restore positive working capital.
• Clarify the reason for the company name change from Oakwood Financial Planning Ltd and any impact on business model or liabilities.
• Verify whether any additional funding or shareholder loans have been provided post-year end to improve solvency.
• Assess director backgrounds for relevant experience and financial support capacity.