Company Number: 14525538

Analysis Date: 2025-07-20 17:57 UTC

1. Risk Rating: MEDIUM
   The company is newly incorporated (Dec 2022) and classified as a micro-entity with limited financial history. While it shows positive net current assets and net assets, the presence of significant liabilities due after one year relative to net assets warrants caution. The small scale and limited employee base also suggest operational risk.

2. Key Concerns:

• Balance Sheet Structure: The accounts show current assets of £30,259 but also significant creditors falling due after more than one year amounting to £27,142, leaving net assets very low at £2,933. This indicates a leveraged position with long-term liabilities that may pressure solvency if cash flow falters.
• Limited Financial History: Incorporated only in late 2022, the company has limited financial track record to assess operational stability or growth trajectory.
• Minimal Workforce: Reporting just one employee suggests a very small operation, which may limit capacity to scale or absorb shocks.

3. Positive Indicators:

• Filing Compliance: No overdue accounts or confirmation statements, indicating good regulatory compliance and governance to date.
• Positive Net Current Assets: Current assets exceed current liabilities, suggesting short-term liquidity is adequate as of the last accounts.
• Equity Stakeholders: Directors are also significant shareholders controlling 25-50% each, which may align management interests with company success.

4. Due Diligence Notes:

• Review the nature and terms of the long-term creditors totaling £27,142 to understand repayment obligations and impact on cash flow.
• Request more recent management accounts or cash flow statements to evaluate ongoing liquidity and operational performance beyond the first full year.
• Assess the business model and pipeline given the micro-entity status and single employee, including contracts or orders secured in the construction sector.
• Confirm no director disqualifications or adverse regulatory history beyond available data.