Company Number: 13016382

Analysis Date: 2025-07-20 15:07 UTC

1. Risk Rating: LOW
   DMAC Group Limited demonstrates solid net asset growth, positive working capital, and timely compliance with filing deadlines. Its micro-entity status limits disclosure but available data shows a healthy financial position with no overdue filings or signs of distress.

2. Key Concerns:

• Limited Operational Scale: The company operates with only one employee (the director), which may constrain capacity and operational resilience.
• Long-term Liabilities Introduced: In the latest year, creditors falling due after more than one year appeared (£33,167), which warrants scrutiny concerning repayment terms and impact on solvency.
• Minimal Share Capital: Share capital remains nominal (£100), which while common in micro companies, offers limited equity buffer against losses or external shocks.

3. Positive Indicators:

• Consistent Net Asset Growth: Net assets increased from £90,601 in 2020 to £122,300 in 2023, indicating retained earnings or asset appreciation.
• Strong Liquidity Position: Net current assets improved to £91,584 in 2023, showing that current assets significantly exceed current liabilities.
• Compliance and Governance: No overdue accounts or confirmation statement filings; director has maintained responsibilities and accounts prepared per micro-entity standards without audit exemption issues.

4. Due Diligence Notes:

• Review nature and terms of long-term liabilities (£33,167) to assess repayment risk and impact on cash flow.
• Confirm operational model details given the single-employee structure to understand scalability and dependency on director’s involvement.
• Investigate any contingent liabilities or off-balance sheet commitments not visible in micro-entity accounts.
• Validate that the absence of audit has not masked potential financial risks or irregularities.