EXEC PCO LTD

Executive Summary

EXEC PCO LTD is a newly incorporated micro-entity operating in car leasing with limited financial history. Its current financials reveal negative working capital and minimal net assets, signaling heightened liquidity and solvency risks. While regulatory compliance is satisfactory, investors should closely scrutinize cash flow management and operational viability before considering exposure.

EXEC PCO LTD - Analysis Report

Company Number: 14999371

Analysis Date: 2025-07-29 19:00 UTC

1. Risk Rating: HIGH
   The company demonstrates a precarious financial position with negative net current assets and minimal net assets. As a very recently incorporated micro-entity with limited operational history, solvency and liquidity risks are elevated.

2. Key Concerns:

• Negative working capital: Current liabilities (£23,821) significantly exceed current assets (£1,280), indicating potential short-term liquidity issues.
• Minimal net assets: Total net assets stand at only £358, leaving little buffer against unexpected expenses or losses.
• Lack of operational history: Incorporated in July 2023 with the first accounts ending July 2024, the company has insufficient trading history to gauge operational stability or profitability trends.

3. Positive Indicators:

• Compliance in filings: Accounts and confirmation statements are up to date and not overdue, reflecting good regulatory compliance.
• Sole director and PSC consistency: James Aaron Campbell holds full ownership and control, suggesting clear governance lines without apparent director conflicts.
• Micro-entity status: Reduced reporting requirements may reduce administrative burden and costs at this early stage.

4. Due Diligence Notes:

• Review cash flow forecasts and short-term liquidity management plans to assess ability to meet immediate obligations.
• Obtain management accounts or trading updates to evaluate operational performance since incorporation.
• Investigate the nature of current liabilities to determine if they are trade creditors, loans, or other obligations and their maturity profiles.
• Confirm if any external financing or shareholder support is in place to cover working capital deficits.
• Assess business model viability in the car and light motor vehicle leasing sector, including client contracts and revenue streams.