Company Number: 15005732

Analysis Date: 2025-07-20 11:02 UTC

1. Risk Rating: LOW
   Justification: ONE CRE8TIVE LTD is a newly incorporated micro-entity with a clean filing record and positive net assets. The company shows a healthy net current asset position and no overdue filings, indicating good compliance and initial financial stability.

2. Key Concerns:

• Minimal Asset Base: Fixed assets are modest (£850), and current assets are low (£2,300), reflecting limited scale and potentially limited operational liquidity buffer.
• Negative Long-Term Creditors: The balance sheet shows £750 creditors payable after more than one year, which could represent long-term liabilities to monitor for repayment risk relative to asset size.
• No Employees: Zero employees may limit operational capacity and scalability, relying heavily on the director’s involvement and external resources.

3. Positive Indicators:

• Positive Net Assets and Shareholders’ Funds (£2,400) suggest the company is solvent at this early stage.
• No Overdue Filings: Both accounts and confirmation statements are up to date, indicating good governance and regulatory compliance.
• Director Control: Single director and sole shareholder ownership provide clear decision-making and control, reducing governance complexity.

4. Due Diligence Notes:

• Investigate the nature and terms of the £750 long-term creditors to assess repayment obligations and associated risks.
• Review business model and revenue generation plans given the micro scale and no employees to evaluate operational sustainability.
• Confirm cash flow projections to ensure liquidity adequacy beyond the snapshot balance sheet figures.
• Verify the director’s capacity and any external support arrangements given sole control and no staff.