Company Number: 13163797

Analysis Date: 2025-07-29 20:52 UTC

1. Risk Rating: LOW to MEDIUM
   The company demonstrates positive net assets and growing equity, indicating solvency. The micro-entity status limits detailed disclosures, but current financials show net current assets and manageable liabilities. However, the presence of longer-term creditors and a small employee base suggests some operational scale risk.

2. Key Concerns:

• Long-term Creditors: £11,115 reported as creditors due after one year in 2024, which may represent debt or other obligations requiring future cash commitments. The nature and terms of this liability should be clarified.
• Limited Financial Disclosure: As a micro-entity, the company does not provide a profit and loss account or detailed cash flow statements, restricting full assessment of operational profitability and liquidity trends.
• Small Scale and Workforce: With only 2 employees and modest fixed assets (£17,737), the company may face challenges scaling operations or absorbing market shocks.

3. Positive Indicators:

• Growing Net Assets: Net assets increased substantially from £3,186 in 2023 to £15,513 in 2024, suggesting retained earnings or capital injections improving financial stability.
• Positive Working Capital: Net current assets improved to £9,941, indicating the company currently holds sufficient short-term assets to cover liabilities.
• Timely Filing and Compliance: No overdue accounts or confirmation statements, indicating good regulatory compliance and governance practices.
• Active Website and Contact Information: Presence of an active website and multiple contact points supports ongoing business operations and customer engagement.

4. Due Diligence Notes:

• Review details and contractual terms of the £11,115 creditors due after more than one year to assess repayment risk and impact on cash flow.
• Obtain or request management accounts or profit and loss data to evaluate operational performance and profitability trends, as these are not publicly filed.
• Investigate customer base and contract stability given the small team size and asset base to assess operational resilience.
• Confirm background and experience of directors, especially given the recent appointment of a second director in 2023, to understand management capacity.
• Verify any contingent liabilities or off-balance-sheet obligations not disclosed in micro-entity filings.