Company Number: 14568424

Analysis Date: 2025-07-29 20:32 UTC

1. Risk Rating: LOW to MEDIUM
   The company demonstrates a positive net asset position and net current assets, indicating an ability to meet short-term obligations. However, its micro-entity status, very limited staff (one person), and relatively recent incorporation suggest a small scale and early stage of operations, which introduces inherent business risks typical for start-ups.

2. Key Concerns:

• High Long-Term Creditors: The company carries significant creditors due after more than one year (£27,169), nearly double its net current assets. The nature and terms of these liabilities warrant closer scrutiny to assess solvency risk.
• Limited Operational Scale: With only one employee (the director) and micro-entity reporting exemptions, operational sustainability and capacity to scale may be constrained.
• Profit and Loss Omission: As permitted for micro-entities, the company has not filed a profit and loss account, limiting visibility into profitability and cash flow trends.

3. Positive Indicators:

• Positive Net Assets and Working Capital: Net assets of £12,930 and net current assets of £7,263 reflect a stable balance sheet with more current assets than current liabilities.
• On-Time Filings and Compliance: All accounts and confirmation statements are filed on time, indicating good regulatory compliance.
• Director Control and Continuity: The sole director and sole shareholder is the same individual, suggesting clear governance and decision-making authority.

4. Due Diligence Notes:

• Investigate the terms, security, and repayment schedule of the long-term creditors to understand potential solvency risks.
• Obtain or request management accounts or cash flow statements to evaluate operational performance and liquidity beyond balance sheet snapshots.
• Understand the business model and client base to assess revenue sustainability and growth prospects given the single-person operation.
• Confirm the director’s experience and capacity to manage growth and compliance obligations as the company scales.
• Review any contracts or contingent liabilities not disclosed in the micro-entity accounts.