VERTEX AI LTD

Executive Summary

Vertex Ai Ltd is a recently formed small private limited company operating in IT consultancy with a stable initial financial position and full compliance with filing requirements. Its liquidity position appears sound, though its operational capacity is currently limited, with no employees and minimal financial history. Further due diligence should focus on the company’s business model viability and financial support mechanisms to assess medium-term sustainability.

VERTEX AI LTD - Analysis Report

Company Number: 15551334

Analysis Date: 2025-07-20 16:28 UTC

1. Risk Rating: LOW
   The company is newly incorporated with minimal financial activity but shows a positive net current asset position and no overdue filings, indicating low immediate risk.

2. Key Concerns:

   • Newly Established Entity: Incorporated in March 2024, the company has a limited operating history, which restricts assessment of operational stability and financial performance trends.
   • Zero Employees: No employees were reported during the first accounting period, possibly indicating reliance on the director or contractors, which may affect scalability and operational continuity.
   • Director Loan Liability: There is a small loan from the director (£1), which although minimal, suggests some internal financing; the company's ability to attract external funding is untested.

3. Positive Indicators:

   • Positive Net Current Assets: £6,922 net current assets and cash balance of £8,547 provide a modest liquidity cushion relative to current liabilities (£1,625), indicating the company can meet short-term obligations.
   • Compliance: No overdue statutory accounts or confirmation statements; accounts filed on time and prepared under applicable accounting standards.
   • Clear Ownership and Control: Single director and 75-100% shareholder with full voting and appointment rights simplifies governance and decision-making.

4. Due Diligence Notes:

   • Review Business Plan and Revenue Model: Understand how the company intends to generate income and scale, given the absence of employees and limited financial history.
   • Verify Director’s Financial Support: Clarify the terms of the director loan and assess any plans for external financing or capital injections.
   • Confirm Regulatory and Tax Compliance: Check for any VAT registration, corporation tax filings, or other regulatory obligations given the company's IT consultancy SIC code.