TERAPI LONDRA LTD

Executive Summary

Terapi Londra Ltd presents a low risk profile based on its current solvency and compliance status, supported by positive net current assets and adequate liquidity. However, the company’s limited operating history and small scale warrant further investigation into its business model and informal director financing. Overall, it appears to be a compliant and solvent start-up with transparent governance.

TERAPI LONDRA LTD - Analysis Report

Company Number: 15392573

Analysis Date: 2025-07-20 14:08 UTC

1. Risk Rating: LOW

Justification: Terapi Londra Ltd is a newly incorporated private limited company with its first financial year ending January 31, 2025. The company reports positive net current assets (£1,395) and no overdue filings, indicating compliance with statutory requirements and a solvent position at the reporting date. Cash holdings are sufficient to cover current liabilities, reflecting sound short-term liquidity. The share capital is nominal (£100), but this is typical for start-ups. Overall, the financial snapshot and governance indicators suggest a low risk of immediate insolvency or compliance breach.

2. Key Concerns:

• Limited Operating History: Being incorporated in January 2024, the company has less than two years of operational data, which constrains assessment of business sustainability and long-term financial stability.
• Small Scale and Employee Base: With only one employee reported and minimal turnover details (not disclosed), the company’s operational capacity and revenue-generating potential remain uncertain.
• Related Party Balance: An amount of £438 is owed to a director without specified terms for interest or repayment, which may merit scrutiny regarding informal financing arrangements and governance controls.

3. Positive Indicators:

• Compliance: All statutory filings, including accounts and confirmation statements, are up to date with no overdue status.
• Liquidity Position: Current assets exceed current liabilities, with cash forming the majority of current assets, indicating sound liquidity management.
• Governance: The company has a clear director structure with no reported disqualifications or governance issues; control is well documented through the PSC register, demonstrating transparency.

4. Due Diligence Notes:

• Verify Business Model and Revenue Streams: Given the limited disclosures on turnover and profit and loss account, obtain management accounts or operational summaries to understand business viability and scalability.
• Examine Director Loan Terms: Clarify the nature and terms of the £438 creditor balance to the director to assess any contingent liabilities or risks.
• Monitor Growth and Funding: Assess plans for capital injection, client acquisition, and staff expansion to gauge future operational stability.