MS & SS ENTERPRISES LTD

Executive Summary

MS & SS ENTERPRISES LTD is an early-stage micro entity with positive short-term liquidity but a significant long-term creditor balance relative to its small equity base. The company is compliant with filings and currently controlled by one individual, which concentrates governance risk. Further due diligence on liabilities and operational plans is recommended to fully assess financial stability and sustainability.

MS & SS ENTERPRISES LTD - Analysis Report

Company Number: 15099145

Analysis Date: 2025-07-29 20:22 UTC

1. Risk Rating: MEDIUM
   Justification: The company is very recently incorporated (August 2023) with only one full financial year reported. It shows positive net current assets and net assets but has a significant creditor balance due after one year, suggesting some long-term liabilities. The small equity base and early stage of operations moderate the risk assessment.

2. Key Concerns:

• Long-term Creditors: £170,000 due after more than one year is sizable relative to net assets (£7,141), indicating potential solvency pressure if not managed carefully.
• Limited Operating History: Being less than one year old with minimal financial data limits visibility on operational sustainability.
• Single Director and Shareholder Control: Total control by one person concentrates governance risk and may impact oversight and decision making.

3. Positive Indicators:

• Positive Net Current Assets: £177,141 suggests good short-term liquidity to meet immediate obligations.
• No Overdue Filings: Both accounts and confirmation statement are filed timely, indicating compliance discipline.
• Micro-entity Status: Simplified reporting reduces administrative burden and cost, suitable for the current scale.

4. Due Diligence Notes:

• Clarify nature and terms of the £170,000 long-term creditors to assess repayment risk and covenant requirements.
• Review cash flow projections and business plan to evaluate sustainability and ability to service liabilities.
• Confirm background and experience of sole director regarding management capability and governance.
• Monitor upcoming filings and any changes in shareholding or directorship for governance stability.