Company Number: 12947513

Analysis Date: 2025-07-20 13:50 UTC

1. Risk Rating: LOW

Justification: The company is a micro-entity with modest but positive net assets and net current assets. It has filed accounts and confirmation statements on time, showing compliance with regulatory requirements. The sole director and 100% shareholder has been in place since incorporation, indicating stable ownership. There are no indications of financial distress or overdue filings.

2. Key Concerns:

• Very limited asset base and working capital (£2,614 net current assets), which may constrain operational flexibility and the ability to absorb unexpected costs or delays in payment.
• The company operates with only one employee (presumably the director), which may limit operational capacity and scalability.
• Lack of detailed financial information on profitability, cash flows, or liabilities beyond current assets restricts a full assessment of solvency under stress conditions.

3. Positive Indicators:

• The company has maintained positive net assets consistently since incorporation, indicating it has not accumulated losses.
• Compliance with Companies House filing deadlines is up to date, reducing governance and regulatory risk.
• The director maintains full control and appears committed, with no reported disqualifications or governance issues.
• The company operates in diversified but related sectors (removal services, domestic construction, and building finishing), which may provide multiple income streams.

4. Due Diligence Notes:

• Review underlying profitability and cash flow statements (not provided) to assess operational sustainability.
• Confirm whether any off-balance sheet liabilities or contingent risks exist despite the “No” disclosure.
• Investigate client base, contracts, and revenue stability given the small scale of operations.
• Assess the director’s experience and capacity to manage multiple business lines effectively.
• Verify insurance coverage and compliance with industry regulations, especially in construction and removal services.