POLAR CONSULTANCY GROUP LTD

Executive Summary

Polar Consultancy Group Ltd shows significant solvency and liquidity concerns with net current liabilities substantially exceeding current assets shortly after incorporation. While compliance filings are timely and ownership is consolidated, the company’s negative equity and early director resignations raise questions about operational stability and financial sustainability. Further investigation into liabilities and management plans is essential before considering investment.

POLAR CONSULTANCY GROUP LTD - Analysis Report

Company Number: 14852730

Analysis Date: 2025-07-29 20:02 UTC

1. Risk Rating: HIGH
   The company exhibits a high risk profile primarily due to significant negative net current assets and shareholders’ funds, implying it is currently insolvent and unable to meet short-term obligations from available current assets.

2. Key Concerns:

• Negative net current assets of £22,730 indicate liquidity stress and inability to cover current liabilities, raising immediate solvency concerns.
• The company is very newly incorporated (May 2023) with only one current director, limiting operational history and governance stability.
• Two directors appointed at the start of 2024 resigned shortly thereafter (within 2.5 months), which may suggest internal management or control issues.

3. Positive Indicators:

• Company filings (accounts and confirmation statements) are up to date with no overdue returns or penalties.
• The sole current director, Mr. Andrew Marcus Fox, has full ownership and control, which may allow for rapid decision-making and restructuring if needed.
• The company is classified as a micro entity, with minimal regulatory burden and exemption from audit, which may reduce compliance costs.

4. Due Diligence Notes:

• Investigate the nature and timing of the £23,320 current liabilities to understand if these are trade payables, director loans, or other debts, and the plans for repayment.
• Review the causes and implications of the rapid director turnover in early 2024 and any impact on operational continuity or control.
• Assess business plan viability given the negative equity and whether there is a capital injection or restructuring plan underway.
• Confirm the company’s trading status and revenue generation, as no income or profit data is available from the micro-entity accounts filing.
• Verify the director’s financial backing or related party transactions that may affect going concern assumptions.