POOLE WEALTH MANAGEMENT LTD

Executive Summary

Poole Wealth Management Ltd is an early-stage micro-entity operating in fund management and related activities with a working capital deficit indicating liquidity risk. The company is compliant with filing requirements and led by an experienced director, but the absence of employees and limited financial history warrants careful scrutiny of funding and operational plans. Investors should focus due diligence on liquidity sources and business viability before commitment.

POOLE WEALTH MANAGEMENT LTD - Analysis Report

Company Number: 15222561

Analysis Date: 2025-07-29 15:53 UTC

1. Risk Rating: MEDIUM
   The company is newly incorporated (Oct 2023) and classified as micro-entity with limited financial data. The balance sheet shows net current liabilities and a working capital deficit, indicating potential liquidity constraints. However, there are no overdue filings or regulatory issues, and the company is actively trading in a regulated sector.

2. Key Concerns:

• Working Capital Deficit: Current liabilities (£12,604) exceed current assets (£5,979), resulting in net current liabilities of £6,625, which raises short-term liquidity risk.
• No Employees and Early Stage: The company has no employees and has been operating less than a full year, limiting operational history and revenue visibility.
• Capital Structure: Called-up share capital not paid is £10,000, which may affect available funds for operations and financial flexibility.

3. Positive Indicators:

• Regulatory Compliance: All statutory filings including accounts and confirmation statements are up to date and not overdue.
• Strong Control and Management: The sole director and 100% shareholder is Neil John Finlayson Poole, a wealth manager by profession, indicating experienced leadership aligned with the business focus.
• Focused Industry Classification: The company operates within fund management, insurance brokerage, and pension funding, sectors with recurring revenue potential and regulatory oversight.

4. Due Diligence Notes:

• Investigate sources of funding or cash inflows to cover current liabilities and working capital deficit, including director loans or external finance.
• Review business plan and client acquisition strategy to assess operational sustainability and revenue generation prospects.
• Confirm any contingent liabilities or off-balance sheet commitments not disclosed in the accounts.
• Verify the reason for the called-up share capital not paid and plans to settle this or raise additional capital.
• Assess any regulatory licenses or registrations required for fund management and insurance activities and confirm compliance status.