EDWARDS & PLUMB PROPERTY CONSULTING LIMITED

Executive Summary

Edwards & Plumb Property Consulting Limited shows a stable financial position with positive net assets and sufficient liquidity, supported by timely compliance with filing requirements. The company’s small scale and concentrated ownership structure warrant further review, but there are no immediate solvency or regulatory concerns based on available data.

EDWARDS & PLUMB PROPERTY CONSULTING LIMITED - Analysis Report

Company Number: 13121629

Analysis Date: 2025-07-20 11:43 UTC

1. Risk Rating: LOW
   The company demonstrates a stable financial position with positive net assets and net current assets, no overdue filings, and compliance with statutory requirements. Its micro-entity status aligns with modest operational scale, and there is no indication of insolvency or financial distress.

2. Key Concerns:

• Low Share Capital: The company has nominal share capital of £1, which may limit its ability to absorb financial shocks or raise equity finance.
• Small Scale Operations: With only 2 employees and micro-entity status, the business may be vulnerable to market fluctuations in the real estate sector or dependency on a limited client base.
• Concentration of Control: Significant control is held by a small group (two individuals and a holding company), which may pose governance risks or limit external oversight.

3. Positive Indicators:

• Consistent Positive Net Assets: Net assets have remained positive and fairly stable (£12,664 in 2024 to £14,075 in 2025), indicating solvency.
• Healthy Working Capital: Net current assets are comfortably positive (£13,550 in 2025), suggesting liquidity to meet short-term obligations.
• Regulatory Compliance: No overdue accounts or confirmation statements; filings are up to date and compliant with Companies House deadlines.
• No Audit Requirement: The company qualifies for micro-entity exemptions, reducing administrative burden and reflecting a straightforward financial structure.

4. Due Diligence Notes:

• Review Cash Flow Trends and Profitability: The accounts provided do not include profit and loss data; understanding operational cash generation is important.
• Assess Client Concentration and Contractual Stability: Given the small team and niche SIC code (real estate agencies), evaluate the diversity and durability of revenue streams.
• Examine Related Party Transactions: The presence of a holding company with significant control warrants scrutiny of intercompany dealings.
• Confirm Director and PSC Profiles: No negative director conduct records are noted, but further background checks could mitigate governance risks.