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.