Company Number: 12467645

Analysis Date: 2025-07-20 17:09 UTC

1. Risk Rating: LOW
   The company demonstrates stable net assets and positive working capital over recent years. There are no overdue filings or signs of insolvency. Although cash balances are low, current liabilities are well covered by current assets, and the company maintains net positive equity.

2. Key Concerns:

• Low cash on hand (£312 as of 31 March 2024) may pose liquidity risks if cash inflows are delayed.
• Presence of bank loans (£18,942 due after one year) requires ongoing serviceability assessment.
• No employees reported; reliance on director(s) or external contractors may impact operational scalability.

3. Positive Indicators:

• Net current assets remain positive (£35,478 at 2024 year end), indicating the company can meet short-term obligations.
• Consistent net asset base (~£16,500) showing equity preservation over multiple years.
• No overdue account or confirmation statement filings, reflecting good compliance with statutory requirements.
• Turnover category "Total Exemption Full" suggests company is small but meets reporting standards.

4. Due Diligence Notes:

• Investigate the nature and terms of the £20,000 current asset investment to assess liquidity and valuation reliability.
• Review the bank loan terms, covenants, and repayment schedule to evaluate medium-term solvency risks.
• Understand the company's cash flow cycle given minimal cash balances but relatively high debtors (£21,774).
• Confirm if the director(s) provide operational continuity or if there are risks linked to limited human resources.
• Assess the company's business model sustainability in management consultancy given no employees and limited financial scale.