Company Number: 14469503

Analysis Date: 2025-07-20 13:19 UTC

1. Risk Rating: LOW to MEDIUM
   GRIFFIN AM LTD is a recently incorporated micro-entity with modest financials. The company shows positive net current assets and positive shareholders funds, indicating an ability to meet short-term obligations. However, limited operating history and small scale introduce some inherent risk.

2. Key Concerns:

• Limited Operating History: Incorporated in November 2022, the company has just over one year of financial data, which restricts the ability to assess long-term operational stability and financial trends.
• Modest Capital Base: Shareholders’ funds stand at £8,319 with current assets of £21,657 against current liabilities of £12,988, suggesting a relatively thin equity cushion to absorb shocks or losses.
• Single Director and Employee: The company is controlled solely by Mr. Sean Niall Griffin, who is also the sole employee. This concentration of control and limited human resources could pose operational risks.

3. Positive Indicators:

• Positive Working Capital: Current assets exceed current liabilities by approximately £8,669, indicating the company can cover its short-term debts.
• Compliance in Filings: Accounts and confirmation statements are up to date with no overdue filings, suggesting good regulatory compliance and governance practices.
• Clear Ownership and Control: The sole director and 100% shareholder structure provides straightforward governance and decision-making without dilution or conflict risks.

4. Due Diligence Notes:

• Financial Performance Details: Investigate detailed profit and loss information to understand revenue generation, profitability, and cash flow dynamics beyond the balance sheet snapshot.
• Business Model and Contracts: Clarify the nature and scale of contracts or projects under the SIC codes related to engineering and construction activities to assess operational sustainability.
• Director Background: Verify the director’s track record and any potential conflicts of interest or regulatory concerns, although none are evident from current data.
• Future Funding Plans: Determine if there are plans for capital injections or borrowing that could impact solvency or liquidity.