A OLIVE LIMITED

Executive Summary

A OLIVE LIMITED shows solid creditworthiness for its size with improving net assets and strong working capital recovery. Its financial position and management stability support approval for credit facilities, though monitoring liquidity and ownership concentration is advisable going forward.

A OLIVE LIMITED - Analysis Report

Company Number: 14368537

Analysis Date: 2025-07-29 13:33 UTC

1. Credit Opinion: APPROVE
   A OLIVE LIMITED demonstrates a solid financial position for a micro-entity with consistent net asset growth and positive working capital. The company is active, compliant with filing deadlines, and controlled by a single director with full ownership, indicating stable management. Given the absence of overdue filings or financial distress and increasing net assets, the company appears capable of servicing short-term obligations with low credit risk.

2. Financial Strength:
   The balance sheet shows an improvement in net assets from £3,503 (2023) to £7,250 (2024), more than doubling equity in one year. Fixed assets increased modestly by £656 to £5,057, indicating some investment in long-term resources. Current assets have remained stable around £3,550, while current liabilities dropped significantly from £4,462 to £1,355, improving net current assets from a negative £898 to a positive £2,193. This turnaround in working capital signals better liquidity and reduced short-term risk.

3. Cash Flow Assessment:
   While detailed cash flow statements are not provided, the marked improvement in net current assets and reduction in current liabilities suggests improved liquidity and working capital management. The company’s ability to cover short-term liabilities with current assets plus a positive net current asset position indicates sufficient cash flow to meet operating and debt obligations. The single employee structure keeps overhead low, further supporting cash retention.

4. Monitoring Points:

• Monitor continued growth in net assets and working capital to ensure sustained financial health.
• Watch for any increase in current liabilities which could stress liquidity.
• Track director’s continued involvement and ownership concentration as this centralizes control but may represent key person risk.
• Review any changes in filing compliance or overdue accounts in future periods.