FA SMILE HOLDINGS LTD

Executive Summary

FA Smile Holdings Ltd is a recently incorporated small private company with a strong initial financial position, including positive working capital and no overdue filings. The company’s liquidity appears sound with a healthy cash balance, but the absence of employees and significant tax creditors warrant ongoing monitoring. Overall, the risk profile is low at present, though further insight into director loans and operational plans is recommended for a comprehensive assessment.

FA SMILE HOLDINGS LTD - Analysis Report

Company Number: 14849561

Analysis Date: 2025-07-29 19:11 UTC

1. Risk Rating: LOW

The company exhibits a solid initial financial position with positive net assets and net current assets, indicating the ability to meet short-term liabilities. There are no overdue filings or indications of regulatory non-compliance. The company is newly incorporated and has no employees, which limits operational risk for now.

2. Key Concerns:

• The company has no employees, which may constrain operational capacity and growth potential.
• Tax and social security creditors of £24,677 are noted, which is a relatively large creditor balance given the company’s size and age; this should be monitored to ensure timely settlement.
• Loans from directors amounting to £6,574 appear as a negative creditor balance; clarity on repayment terms and potential impact on liquidity would be prudent.

3. Positive Indicators:

• Positive net current assets (£47,664) and net assets (£78,784) signify a healthy working capital position and equity base.
• Cash balance (£66,637) is sufficient to cover current liabilities, supporting liquidity.
• No overdue statutory filings (accounts or confirmation statements) reflect good regulatory compliance.
• Sole director and significant controller are the same individual, which may streamline decision-making.

4. Due Diligence Notes:

• Investigate the nature and terms of the director’s loan to assess any risks to cash flow or solvency.
• Review tax creditor details to confirm whether the balance is accrued, deferred, or overdue and plans for settlement.
• Understand business model and plans for employee recruitment or outsourcing given zero staff currently.
• Confirm the valuation and purpose of the reported investments (£29,550) to assess asset quality and risk.
• Monitor future filings and financial updates given the company’s young age and limited operating history.