Company Number: 14738436

Analysis Date: 2025-07-29 13:07 UTC

1. Risk Rating: MEDIUM
   Justification: The company is newly incorporated (less than 2 years old), with minimal net assets (£29) and very limited cash (£650). Current liabilities (£3,122) slightly exceed current assets (£3,151) resulting in a very narrow working capital margin. While there is no overdue filing and the company is active, the very low equity base and reliance on director loans indicate some financial vulnerability typical of a startup.

2. Key Concerns:

• Limited Financial Cushion: Net assets of only £29 and cash reserves of £650 provide minimal buffer against unexpected expenses or downturns.
• High Current Liabilities Relative to Assets: Current liabilities (£3,122) nearly equal current assets (£3,151), suggesting tight liquidity and potential short-term cash flow pressure.
• Reliance on Director Loan: Significant balance (£1,951) owed to director Callum Byfield, repayable on demand, which may indicate dependency on informal financing and risk if the director withdraws support.

3. Positive Indicators:

• No Overdue Filings: The company has complied with its statutory filing requirements on time, reflecting sound governance and regulatory compliance.
• Clear Control Structure: Single director and major shareholder (Callum Byfield) with full control simplifies decision-making and accountability.
• Active Web Presence: An operational website focused on LinkedIn personal branding suggests active business development and market engagement.

4. Due Diligence Notes:

• Investigate the nature and terms of the director loan, including any formal agreements and repayment plans.
• Review cash flow forecasts and business plans to assess operational sustainability and ability to meet liabilities as they fall due.
• Confirm the trading performance since incorporation, including revenue trends and client base stability.
• Understand the relationship with Kamro Limited (noted as a PSC) to clarify investment or operational ties.
• Assess management capability and experience given the company’s young age and limited financial history.