Company Number: 14114408

Analysis Date: 2025-07-20 14:42 UTC

1. Risk Rating: LOW
   The company shows an improving financial position with positive net current assets in the latest year and no overdue filings. The micro-entity status limits complexity and risk exposure. Directors are stable and local, with no reported governance issues.

2. Key Concerns:

• Marginal working capital: Current liabilities nearly equal current assets (£41.8k vs £42.8k), leaving limited liquidity buffer.
• Small scale and limited financial disclosure: Micro-entity accounts restrict detailed financial insights, especially no profit & loss data.
• Relatively new company (incorporated 2022) with limited operating history to assess sustainability fully.

3. Positive Indicators:

• Net assets and shareholders’ funds have more than doubled from £1,265 (2023) to £2,981 (2024), indicating growth in retained equity.
• Positive turnaround in net current assets from negative £1,717 to positive £992, showing improved short-term liquidity management.
• No overdue statutory filings (accounts or confirmation statement), indicating compliance with regulatory requirements.
• Directors and significant controllers are the same individuals with substantial shareholding and voting rights, suggesting aligned governance.

4. Due Diligence Notes:

• Obtain more detailed financials or management accounts to assess profitability, cash flow trends, and revenue stability as P&L is not filed publicly.
• Review the nature of current liabilities to understand their composition and timing, ensuring they are not concentrated in short-term high-risk creditors.
• Inquire about client base and business model sustainability given the financial intermediation SIC code and micro-entity size.
• Confirm absence of any director conduct issues or related party transactions not disclosed in summary data.