Company Number: 14225935

Analysis Date: 2025-07-20 11:23 UTC

1. Risk Rating: MEDIUM
   Justification: TEAM GURU LTD is a very recently incorporated small private limited company in the construction sector with modest net assets (£5,799) and no recorded employees. While the company is solvent on the balance sheet with positive net current assets, the scale of operations appears minimal and the financial statements do not disclose turnover or profit figures. The director's loan account is a significant debtor, indicating reliance on director funding or repayment. Filing compliance is up to date with no overdue accounts or confirmation statements.

2. Key Concerns:

• Minimal scale of operations: No employees and very low asset base suggest limited operational activity and revenue generation, raising concerns about business sustainability.
• Director's loan account of £5,242 as the primary debtor could indicate reliance on director financing rather than trade receivables, which may affect cash flow stability.
• Lack of audited accounts and no turnover or profit data disclosed limits the ability to assess financial performance and profitability.

3. Positive Indicators:

• The company is current with all statutory filing requirements, indicating compliance and governance discipline.
• Positive net current assets and net assets, albeit small, indicate solvency at the reporting date with current assets exceeding current liabilities by a comfortable margin.
• Directorship and ownership are consolidated under one individual, which may facilitate streamlined decision-making.

4. Due Diligence Notes:

• Investigate the nature and terms of the director's loan account to understand cash flow implications and potential repayment risks.
• Obtain management accounts or further financial information to assess revenue, profitability, and cash generation beyond the balance sheet snapshot.
• Confirm the scope of business operations given the absence of employees and minimal financial scale—determine if the company is trading or in a start-up phase.
• Review any contracts or orders in hand to evaluate future revenue prospects.
• Monitor updates on filings and any changes in ownership or directorship for governance stability.