Company Number: 13265332

Analysis Date: 2025-07-29 16:17 UTC

1. Risk Rating: LOW Intouch Umbrella Limited exhibits a stable financial position with positive net current assets and increasing shareholders funds over recent years. The company is compliant with filing deadlines and is not in liquidation or administration, indicating low immediate solvency or regulatory risk.

2. Key Concerns:

• The company operates with minimal scale, as evidenced by only one employee and modest asset and liability figures, which may limit operational resilience.
• Current liabilities increased substantially from £1,137 in 2023 to £10,896 in 2024, driven largely by taxation and social security costs and other creditors, which could pressure short-term liquidity if not managed.
• The company relies heavily on a single director and sole shareholder controlling 75-100% of shares, which may present governance concentration risk.

3. Positive Indicators:

• The company has improved net current assets from £852 in 2023 to £3,613 in 2024, reflecting improved working capital.
• Cash balances increased significantly from £1,389 to £8,070 over the same period, supporting liquidity.
• All statutory filings including accounts and confirmation statements are up to date with no overdue filings.
• The company benefits from an experienced director with an accounting background, enhancing financial oversight.
• Net assets and shareholders funds rose from £852 in 2023 to £3,613 in 2024, indicating retained profitability or capital injection.

4. Due Diligence Notes:

• Investigate the nature and maturity profile of the increased current liabilities, particularly the rise in taxation and social security obligations, to assess timing and cash flow impact.
• Review revenue and profit trends not disclosed in the limited accounts summary to understand operational sustainability beyond balance sheet snapshots.
• Assess the company’s client base, contract stability, and dependency on key customers given its small operational scale.
• Confirm if the company has any contingent liabilities or off-balance sheet obligations.
• Examine director conduct records and any related party transactions given the sole control by a single individual.