Company Number: 14802936

Analysis Date: 2025-07-29 14:45 UTC

1. Risk Rating: HIGH
   The company's financial data indicates significant solvency and liquidity risks due to net current liabilities substantially exceeding current assets and cash reserves.

2. Key Concerns:

• Negative Working Capital: Net current liabilities of £72,203 against current assets of £41,086, indicating potential cash flow challenges to meet short-term obligations.
• Disproportionate Current Liabilities: Creditors due within one year total £113,289, over twice the cash and debtor balances combined, suggesting reliance on external financing or delayed payments.
• Lack of Diversified Capital: Share capital is minimal (£1), and the company is wholly owned by a single director, limiting capital injection options and increasing dependency on owner support.

3. Positive Indicators:

• Active Status with Compliance: The company is active, up-to-date with both accounts and confirmation statement filings, indicating regulatory compliance.
• Fixed Asset Investment: Holds investments valued at £89,552, which could provide longer-term value or collateral.
• Experienced Director: The sole director is a licensed conveyancer, suggesting professional expertise relevant to the business.

4. Due Diligence Notes:

• Investigate the nature and terms of the £99,231 "other creditors" to assess repayment schedules and risk of default.
• Review cash flow forecasts and debtor aging to evaluate the likelihood of converting debtors (£36,088) into cash promptly.
• Clarify the nature of the fixed asset investments (£89,552) to determine liquidity and ease of realisation if needed.
• Understand the business model and revenue streams, as turnover and profitability data are not available, limiting assessment of operational sustainability.
• Confirm if there are any contingent liabilities or off-balance-sheet obligations not disclosed.