Company Number: 15356903

Analysis Date: 2025-07-29 12:33 UTC

1. Risk Rating: LOW
   ZMRM LTD demonstrates strong net current assets and positive shareholders' funds, with no overdue filings and a stable director structure. The company’s micro-entity financials indicate sound solvency and liquidity for its size.

2. Key Concerns:

• Limited operating history: Incorporated in December 2023, the company has less than two years of financial data, which restricts trend analysis and operational stability assessment.
• Scale and scope: As a micro-entity with only one employee and minimal fixed assets (£2,618), the business scale is small, potentially limiting resilience to market or operational shocks.
• Lack of profit and loss disclosure: The P&L account was not filed, so profitability and cash flow generation cannot be independently verified, which may obscure operational performance insights.

3. Positive Indicators:

• Healthy liquidity position: Current assets (£109,242) significantly exceed current liabilities (£25,918), resulting in net current assets of £83,324, indicating capacity to meet short-term obligations comfortably.
• Positive net assets and shareholders’ funds (£85,492) support solvency and indicate a stable equity base at this early stage.
• Compliance with filing requirements: No overdue accounts or confirmation statements, demonstrating regulatory compliance and good governance.
• Directors have relevant professional backgrounds and hold significant control, suggesting committed management.

4. Due Diligence Notes:

• Review the company’s business model and revenue streams given the SIC code 68209 (real estate letting/operating) to understand sustainability and potential risks in the property market.
• Obtain management accounts or cash flow statements to verify operational profitability and liquidity beyond the balance sheet snapshot.
• Clarify the relationship between directors/shareholders and the operational setup to assess potential related-party transactions or conflicts of interest.
• Monitor future filings, especially profit and loss accounts, to gain insight into financial performance and growth trajectory.