LML FINANCE LIMITED

Executive Summary

LML FINANCE LIMITED is an early-stage micro-entity with a modest but positive financial position and no overdue filings, indicating low immediate risk. However, limited operating history and small capital base require careful monitoring of governance and growth strategy. Initial indicators point to regulatory compliance and operational commencement, but further diligence is recommended on ownership structure and business sustainability.

LML FINANCE LIMITED - Analysis Report

Company Number: 15211154

Analysis Date: 2025-07-29 14:46 UTC

1. Risk Rating: LOW

Justification: LML FINANCE LIMITED is a recently incorporated micro-entity with minimal liabilities and positive net current assets. The company is up to date with filings and shows a modest but positive equity base, indicating initial financial stability. There is no indication of financial distress or regulatory non-compliance.

2. Key Concerns:

• Limited financial history: Being incorporated in October 2023, the company has only one financial year of data, limiting trend analysis or assessment of operational resilience.
• Small asset and equity base (£5,625): This minimal capitalization may constrain the company’s ability to absorb shocks or scale operations without additional funding.
• Concentrated ownership and control: One corporate entity (Tmg Direct Limited) holds majority shareholding and voting rights, with a single director involved, which could present governance risks if not managed appropriately.

3. Positive Indicators:

• Current and confirmation statement filings are timely and not overdue, indicating good regulatory compliance.
• Positive net current assets (£5,625) with current assets exceeding current liabilities suggest sound short-term liquidity.
• The company employs two individuals, suggesting initial operational activity beyond just the director.

4. Due Diligence Notes:

• Review the nature and terms of any related party transactions or financing provided by the controlling shareholder (Tmg Direct Limited).
• Verify the business model and revenue generation plans given the micro-entity status and limited financial scale.
• Monitor subsequent filings and financial statements for growth, profitability, and changes in capital structure.
• Confirm no director disqualifications or adverse conduct records for Mr Scott Thorpe.
• Evaluate the company’s compliance with applicable financial intermediation regulations given its SIC classification.