T MCMAHON ACTUARIAL LIMITED

Executive Summary

T McMahon Actuarial Limited demonstrates a low financial and regulatory risk profile as a micro-entity with strong liquidity and compliant filings. However, its limited operational scale and short history warrant ongoing monitoring. Overall, the company appears financially stable and well governed at this early stage of its development.

T MCMAHON ACTUARIAL LIMITED - Analysis Report

Company Number: 14762154

Analysis Date: 2025-07-19 12:13 UTC

1. Risk Rating: LOW
   The company exhibits solid net assets and positive working capital with no overdue filings. Its micro-entity classification and single-employee structure align with a low operational and regulatory complexity profile. The director and sole significant controller is stable with no adverse records.

2. Key Concerns:

• Limited scale of operations: The company operates with only one employee and minimal fixed assets, which may limit operational resilience and scalability.
• Reliance on a single director/owner: Concentrated control in one individual could pose governance or succession risks.
• Limited financial history: Incorporated in 2023, the company has a short track record, making long-term sustainability assessment constrained.

3. Positive Indicators:

• Strong liquidity position: Current assets significantly exceed current liabilities, indicating good short-term financial health.
• Increasing net assets: Net assets doubled from approximately £25.7k to £53k in the latest year, showing growth in retained equity.
• Compliance: All statutory filings (accounts and confirmation statements) are up to date with no overdue notices or penalties.
• Industry positioning: Operating in insurance brokerage (SIC 66220), a specialist niche that typically demands technical expertise, matching the director’s actuarial professional background.

4. Due Diligence Notes:

• Review detailed cash flow statements and profit & loss accounts (not provided) to verify sustainability of liquidity and profitability trends.
• Confirm absence of contingent liabilities or off-balance sheet exposures that might impact solvency.
• Assess client base and revenue diversification to evaluate operational stability given the micro scale.
• Verify identity and background of the sole director and PSC for any undisclosed risks.
• Monitor for future filings to track growth trajectory and governance compliance beyond initial years.