Company Number: 13301677

Analysis Date: 2025-07-19 12:53 UTC

1. Risk Rating: LOW
   The company demonstrates positive net assets and net current assets with no overdue filings, indicating healthy solvency and compliance. The micro-entity status and a stable two-employee headcount suggest a small, manageable operation with controlled liabilities.

2. Key Concerns:

• The presence of long-term creditors (£53,128) noted in 2024 may indicate some debt obligations requiring close monitoring for repayment capacity.
• Share capital is nominal (£1.00), implying limited equity buffer against financial shocks.
• Limited financial history and scale restrict the ability to assess long-term operational sustainability and growth trajectory.

3. Positive Indicators:

• Consistent growth in net assets from £17,222 (2021) to £41,794 (2024) reflects improving financial health.
• Strong liquidity position with net current assets increasing from £1,237 to £41,659 over three years.
• Timely filing of accounts and confirmation statements shows good regulatory compliance.

4. Due Diligence Notes:

• Investigate terms and repayment schedule of long-term creditors to evaluate solvency risk under stress scenarios.
• Review cash flow statements and profit & loss data (not provided) to confirm operational cash generation and earnings stability.
• Confirm director’s background and capacity to manage growth given company size and limited staffing.
• Assess client concentration and contract stability in the painting sector (SIC 43341) to gauge operational risk exposure.