INSPIRE MORTGAGE & PROTECTION SOLUTIONS LIMITED

Executive Summary

Inspire Mortgage & Protection Solutions Limited is a micro-entity with a positive net asset position and no regulatory filing issues, reflecting sound compliance and basic solvency. However, reliance on director loans and concentrated ownership introduce moderate operational and governance risks. Further due diligence on liquidity, business viability, and governance is recommended to fully assess investment stability.

INSPIRE MORTGAGE & PROTECTION SOLUTIONS LIMITED - Analysis Report

Company Number: 13695216

Analysis Date: 2025-07-20 19:16 UTC

1. Risk Rating: LOW to MEDIUM
   The company demonstrates a positive net asset position and no overdue filings, indicating compliance and basic financial stability. However, being a micro-entity with limited financial history and reliance on director loans introduces moderate risk.

2. Key Concerns:

• Reliance on director advances: The director loan balance of £35,356 as of 31 March 2023, although stated as repaid after the balance sheet date, suggests dependence on related-party funding for operational liquidity.
• Limited operating history and scale: Incorporated in late 2021 with micro-entity status, the company has minimal fixed assets and a very small workforce (1 employee), which may impact operational resilience and growth potential.
• Concentrated control and ownership: Ms. Michele Summers holds 75-100% of shares and voting rights, which poses governance risks typical of single-person control, including decision-making concentration and limited oversight.

3. Positive Indicators:

• Positive net current assets (£26,695) and shareholders’ funds (£27,106) as at 31 March 2023, indicating the company is solvent on a balance sheet basis.
• Compliance with statutory filing deadlines for both accounts and confirmation statements, showing good regulatory adherence.
• Clear and transparent disclosure of director loans and repayment terms, along with exemption from audit under micro-entity provisions, consistent with company size.

4. Due Diligence Notes:

• Verify the timing and completeness of the director loan repayment post year-end to confirm liquidity improvements.
• Review underlying business plan and revenue generation capability given minimal assets and small employee base.
• Assess any contingent liabilities or off-balance sheet commitments not apparent in filed accounts.
• Confirm the absence of director disqualifications or regulatory issues related to Ms. Summers or the company.
• Investigate client base, revenue streams, and competitive positioning within the financial intermediation sector coded under SIC 64999.