M.S. INVESTMENTS (MARSHALL WAY, RIPON) LLP

Executive Summary

M.S. Investments (Marshall Way, Ripon) LLP presents a moderately stable financial position with a strong fixed asset base but carries considerable long-term debt, which introduces solvency and liquidity risks. The company is newly formed with no employees, indicating operational risks typical of early-stage businesses. Overall, investor caution is advised pending further due diligence on debt terms and business fundamentals.

M.S. INVESTMENTS (MARSHALL WAY, RIPON) LLP - Analysis Report

Company Number: SO307780

Analysis Date: 2025-07-07 22:35 UTC

1. Risk Rating: MEDIUM
   The company shows a solid asset base with net assets of approximately £2.38 million, supported by significant fixed assets (£9.5 million). However, the presence of long-term creditors exceeding £7.7 million and the relatively limited current assets (£1.25 million) compared to current liabilities raises moderate solvency and liquidity concerns, warranting a medium risk rating.

2. Key Concerns:

• High Long-term Debt: Creditors due after more than one year total £7.7 million, which is substantial relative to net assets and may pressure cash flows if repayment terms are onerous.
• Negative Working Capital Composition: Although net current assets are positive (£548k), current liabilities (£705k) are sizeable relative to current assets, suggesting liquidity management needs close monitoring.
• No Employees and Early Stage: Incorporated only in May 2023 with no employees reported, indicating an early-stage operation that may face operational risks and uncertain revenue streams.

3. Positive Indicators:

• Strong Asset Base: Fixed assets of £9.5 million provide a tangible asset buffer supporting the company’s balance sheet strength.
• No Overdue Filings: Accounts and confirmation statements are filed on time, reflecting good compliance and governance discipline.
• Clear Control Structure: Two designated members with disclosed voting rights, indicating transparency in ownership and control.

4. Due Diligence Notes:

• Review the nature and terms of the long-term liabilities to assess repayment schedules and covenants that impact financial flexibility.
• Understand the business model and revenue generation plans since the company has no employees and is newly incorporated; this will clarify operational sustainability.
• Verify the valuation and liquidity of fixed assets to confirm their usability as collateral or sources of cash if needed.
• Confirm any contingent liabilities or off-balance sheet obligations not disclosed in the limited accounts.