REFERENCE LOCKER LIMITED

Executive Summary

Reference Locker Limited currently poses low risk as a dormant, non-trading entity with no liabilities or assets and full compliance with filing requirements. The company’s key risk factors relate to its lack of operational activity and sole control by one individual. Further due diligence on business plans and management is recommended to assess future stability.

REFERENCE LOCKER LIMITED - Analysis Report

Company Number: 13667248

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

1. Risk Rating: LOW
   Given that Reference Locker Limited is a dormant company with no trading activity, no liabilities, and no assets, the risk of insolvency or liquidity distress is minimal. The company has complied with filing obligations on time, indicating sound regulatory compliance.

2. Key Concerns:

• Lack of operational activity: The company has reported zero turnover, assets, liabilities, and employees since incorporation, which means it currently generates no revenue or cash flow.
• Dependence on single controlling individual: Ms. Mandy Harris holds 75-100% ownership and full control, which concentrates governance risk.
• Limited financial history: As a recently incorporated dormant entity, there is no financial track record to assess business sustainability.

3. Positive Indicators:

• Fully compliant with statutory filings: No overdue accounts or confirmation statements, demonstrating adherence to regulatory requirements.
• No liabilities or creditors reported: This suggests no current financial obligations or risks of default.
• Clear ownership and management structure: Single director and PSC simplifies accountability and oversight.

4. Due Diligence Notes:

• Investigate the intended business plan and timeline for commencement of trading to assess future operational viability.
• Confirm background and reputation of the sole director/owner to evaluate governance and management capability.
• Monitor any changes in filing status or financial activity in upcoming periods to detect emerging risks.