AC8 CONSULTING LIMITED

Executive Summary

AC8 Consulting Limited is financially stable with improving net assets and strong working capital, supporting its ability to meet short-term obligations. The company’s compliance record and consistent management reduce credit risk. Based on current data, credit approval is recommended with standard monitoring of liquidity and governance.

AC8 CONSULTING LIMITED - Analysis Report

Company Number: 13034012

Analysis Date: 2025-07-19 12:53 UTC

1. Credit Opinion: APPROVE
   AC8 Consulting Limited demonstrates a healthy and improving financial position with consistent growth in net assets and net current assets over the past three years. The company has no overdue filings and operates in a niche specialist medical practice industry, which tends to be resilient. The director's stable management and lack of adverse records further support creditworthiness. The company’s small scale and micro entity status mean lower complexity and risk.

2. Financial Strength:
   The balance sheet shows progressive strengthening. Net assets have increased from £17,588 in 2021 to £54,995 in 2024. Fixed assets are minimal, which is typical for a consulting practice, and current assets have more than doubled from £29,483 to £71,271, improving liquidity. Current liabilities are modest and stable around £17,000, giving a strong net current asset position (£53,385 in 2024), which indicates solid working capital.

3. Cash Flow Assessment:
   The company’s net current assets position indicates sufficient liquidity to cover short-term obligations comfortably. The steady increase in current assets relative to liabilities suggests effective cash management and operational cash flow generation. The business employs only 2 people on average, which likely keeps overheads manageable. Without audit or P&L detail, direct cash flow figures are unavailable, but the balance sheet trends are positive.

4. Monitoring Points:

• Watch for maintenance of positive net current assets and timely filing compliance.
• Monitor any significant increase in current liabilities that might pressure liquidity.
• Observe any changes in director or ownership that may impact governance.
• Track the company’s revenue and profit trends when P&L data becomes available to confirm ongoing operational strength.