INVEST 44 HOLDINGS LIMITED

Executive Summary

Invest 44 Holdings Limited is a recently incorporated private company with significant liquidity and solvency challenges, reflected in its large current liabilities exceeding current assets and negative equity. While it holds a substantial investment property asset and remains compliant with statutory filings, its financial position and operational sustainability appear fragile. Further investigation into its debt obligations, income generation, and asset liquidity is recommended before considering investment exposure.

INVEST 44 HOLDINGS LIMITED - Analysis Report

Company Number: 14703331

Analysis Date: 2025-07-29 17:50 UTC

1. Risk Rating: HIGH
   The company exhibits significant solvency and liquidity risk given its negative net current assets and shareholders’ funds, with liabilities substantially exceeding current assets. The company's financial position is deteriorating, and it operates with minimal equity capital.

2. Key Concerns:

• Severe Negative Working Capital: Current liabilities (~£688k) far exceed current assets (~£49k), resulting in net current liabilities of approximately £638k, indicating acute liquidity stress.
• Negative Shareholders’ Funds: The company shows a worsening net liability position (£-41.5k), reflecting losses retained in reserves and insufficient equity base to absorb losses or fund operations.
• Reliance on Single Director and Owner: 100% ownership and control by one director with no evidence of additional management or governance structures, which may raise concerns on operational resilience and governance.

3. Positive Indicators:

• Investment Property Asset: The company holds an investment property valued at approximately £597k, which represents a tangible asset with potential for income generation or sale.
• No Overdue Filings: All statutory accounts and confirmation statements are filed on time, indicating compliance with Companies House requirements and no immediate regulatory concerns.
• Small Scale Operation: Only one employee (the director) which may keep operational costs low, potentially reducing cash burn.

4. Due Diligence Notes:

• Nature and Valuation of Investment Property: Verify independent valuation reports and liquidity of this asset to assess its realistic market value and potential to cover liabilities.
• Details of Creditors and Debt Terms: Investigate the composition of the £687k current liabilities, including creditor types, payment terms, and any potential risks of default or enforcement.
• Revenue and Cash Flow Generation: The financial statements exclude an income statement; further information on turnover, profitability, and cash flow is critical to assess operational sustainability.
• Capital Raising or Restructuring Plans: Explore whether the company has plans to inject further equity or restructure liabilities to improve solvency.
• Director’s Background and Track Record: Given the single director’s control, understanding his experience and financial backing is important for risk assessment.