M&Z TRADING LTD

Executive Summary

M&Z TRADING LTD is a recently incorporated small private limited company with positive net assets and no immediate filing or governance issues. The company shows healthy liquidity and shareholder equity growth, though reliance on director loans and the absence of employees warrant further operational review. Overall, the financial data suggests low risk, but ongoing monitoring is recommended as the company develops.

M&Z TRADING LTD - Analysis Report

Company Number: 14294902

Analysis Date: 2025-07-20 16:18 UTC

1. Risk Rating: LOW
   M&Z TRADING LTD demonstrates a solid net asset position relative to its liabilities, no overdue filings, and no operational or governance red flags based on the available data.

2. Key Concerns:

• Reliance on director loans (£4,742) as part of current liabilities may indicate some short-term financing dependency.
• Zero employees suggest potential operational scale limitations or reliance on outsourcing which could affect business continuity or growth.
• Limited historical financial data due to the company’s recent incorporation in 2022 restricts trend analysis and deeper financial stability assessment.

3. Positive Indicators:

• Positive and growing net current assets (£32,147 in 2024 vs £26,838 in 2023) indicate healthy short-term liquidity.
• Shareholders’ funds have increased, reflecting retained earnings and capital growth.
• All statutory filings (accounts and confirmation statements) are up to date with no overdue notices.
• Director with full control (75-100% ownership and voting rights) provides clear governance and decision-making authority, reducing risk of control disputes.
• The company is exempt from audit as a small entity, which is appropriate and compliant with regulations.

4. Due Diligence Notes:

• Verify the nature and terms of the director loan to assess any repayment or refinancing risks.
• Confirm the business model given no employees, specifically how operations are managed and whether subcontractors or third parties are engaged.
• Review debtor aging and credit risk given the material debtor balance (£34,042) to ensure collectability.
• Monitor future filings to confirm continued compliance and financial performance as the company matures.
• Consider requesting management accounts or cash flow statements for more current liquidity insights.