Company Number: 13489023

Analysis Date: 2025-07-29 20:09 UTC

1. Risk Rating: LOW

Justification: SLC Osteopathy Limited is a micro-entity with modest but positive net assets and net current assets, indicating that it currently maintains a positive working capital position. The company is active, compliant with filing deadlines, and has a single director who is also the sole person with significant control. There are no indications of insolvency or governance issues in the available data.

2. Key Concerns:

• Low current asset base (£412) relative to current liabilities (£2,707) suggests potential liquidity constraints despite positive net current assets reported (note: the net current assets figure appears to be reported as negative in the financials, but the balance sheet shows positive net assets; clarification is needed).
• Small scale of operations with only one employee and micro-entity financials limits operational scalability and resilience.
• Reliance on a single director/shareholder may pose governance and continuity risks if that individual becomes unable to manage the business.

3. Positive Indicators:

• Consistent reporting and compliance with Companies House filing deadlines, indicating sound regulatory adherence.
• Positive net assets increasing modestly year-over-year (£974 in 2023 to £1,325 in 2024).
• The nature of the business (osteopathy) is relatively stable and less capital intensive, supporting operational sustainability at a micro level.
• Active web presence and contact points indicate operational activity and openness to client engagement.

4. Due Diligence Notes:

• Investigate the apparent discrepancy in net current assets figures reported in accounts notes versus balance sheet presentation to clarify liquidity position.
• Review cash flow statements (if available) or bank statements to assess actual liquidity and ability to meet short-term obligations.
• Confirm the robustness of revenue streams and client base to assess operational sustainability.
• Understand any related party transactions or guarantees given by the sole director that might impact financial stability.
• Explore contingency plans or succession arrangements given the single director structure.