ONE STOP SALES CONSULTANCY LTD

Executive Summary

One Stop Sales Consultancy Ltd is a micro-entity with a very limited equity base but currently solvent and compliant with filing requirements. The company’s financial position shows tight liquidity and reliance on director loans and creditor management. While operational scale is minimal, governance appears sound with no overdue filings. Further investigation into creditor terms and cash flow dynamics is recommended to fully assess financial stability.

ONE STOP SALES CONSULTANCY LTD - Analysis Report

Company Number: 12391731

Analysis Date: 2025-07-20 18:26 UTC

1. Risk Rating: LOW to MEDIUM
   The company shows a stable but very thin equity base and manageable liabilities for a micro-entity. It is solvent on a balance sheet basis with net assets positive but marginal. The absence of audit and reliance on micro-entity provisions limit insight into detailed financial health, suggesting a cautious rating.

2. Key Concerns:

• Low Net Asset Base: Net assets are only £144 as of 2024, down from £779 in 2021, indicating very limited equity cushion.
• Long-Term Creditors Nearly Equal to Current Assets: With long-term liabilities of £15,643 against current assets of £16,941, liquidity is tight and heavily reliant on managing creditor terms.
• Director Loans: There is an outstanding unsecured, interest-free loan to the sole director (£2,160), which may indicate intermingling of personal and company funds and potential liquidity strain.

3. Positive Indicators:

• No Overdue Filings: Accounts and confirmation statements are up to date, indicating regulatory compliance and good governance practices.
• Consistent Positive Net Current Assets: Despite small scale, net current assets remain positive, implying working capital is managed.
• Sole Director and PSC Alignment: The director controls 75-100% of shares and voting rights, simplifying decision-making and accountability.

4. Due Diligence Notes:

• Review the nature and terms of the long-term creditors to assess repayment schedules and impact on cash flows.
• Investigate the director loan arrangements, including repayment plans and any potential impact on company liquidity or independence.
• Obtain management accounts or cash flow statements if available to verify operational cash generation and short-term liquidity beyond balance sheet snapshots.
• Confirm the sustainability of business activities given the micro-entity status and lack of employees, ensuring the company’s business model supports ongoing viability.