Company Number: 14062607

Analysis Date: 2025-07-19 12:35 UTC

1. Risk Rating: MEDIUM

Justification: Monteagle Wealth Management Limited shows a positive net asset position and shareholder funds growth from £158,879 in 2023 to £249,056 in 2024, which indicates capital strengthening. However, persistent negative net current assets (working capital) of £-52,344 in 2024 and significant long-term liabilities (£400,438) raise concerns about liquidity and solvency. The company is micro-sized, relatively newly incorporated (2022), and un-audited, which suggests limited operational history and financial transparency.

2. Key Concerns:

• Negative net working capital: Current liabilities exceed current assets by £52k, indicating potential short-term liquidity issues.
• Significant long-term liabilities: £400k+ of creditors due after more than one year could pressure future cash flows and solvency.
• Lack of audit and limited financial disclosures: Accounts prepared under micro-entity provisions without audit limits insight into financial robustness and operational risks.

3. Positive Indicators:

• Growing net assets and shareholders’ funds year-on-year, showing capital accumulation.
• Experienced director with relevant occupation (Financial Advisor) who is also the sole significant controller, providing clear leadership.
• No overdue filings, indicating compliance with Companies House requirements to date.

4. Due Diligence Notes:

• Investigate nature and terms of long-term liabilities to assess repayment schedules and covenants.
• Review cash flow forecasts and working capital management to understand liquidity strategies.
• Obtain additional financial information beyond micro-entity accounts, such as management accounts or cash flow statements.
• Confirm no director disqualifications or regulatory issues with the sole director.
• Verify the status and value of fixed assets (£704k) to confirm realizable value versus balance sheet.