ACCESS EXPERIENCES LTD

Executive Summary

Access Experiences Ltd exhibits strong liquidity and a clean financial position for a newly formed micro-entity in software development, supporting a positive credit opinion. The company’s equity base and net current assets provide comfort for short-term obligations, although its early stage status warrants monitoring of growth and cash flow trends. No adverse governance or filing issues are noted, making this a creditworthy candidate for modest financing.

ACCESS EXPERIENCES LTD - Analysis Report

Company Number: 14554147

Analysis Date: 2025-07-20 12:31 UTC

1. Credit Opinion: APPROVE
   Access Experiences Ltd, a micro-entity incorporated in late 2022, demonstrates a solid financial position for its size and age. The company holds healthy net current assets (£80,434) and net assets (£82,275), indicating a strong equity base relative to liabilities. No overdue filings or regulatory issues are noted, and the sole director shows clear control without adverse records. Given the nature of the business (software development) and current financials, the company appears capable of meeting short-term obligations and servicing credit facilities, albeit on a modest scale appropriate for a micro business.

2. Financial Strength
   The balance sheet shows minimal fixed assets (£1,841) but substantial current assets (£87,518), mostly likely cash or receivables, with low current liabilities (£7,084). This results in a robust net current asset position, supporting liquidity and operational flexibility. Shareholders’ funds equal net assets (£82,275), reflecting no debt reliance. The absence of employees and limited operating history suggest the company is in its start-up or early growth phase, but the equity cushion and low liabilities reduce financial risk.

3. Cash Flow Assessment
   The strong net current assets imply positive working capital, indicating the company can comfortably cover short-term liabilities. While detailed cash flow statements are unavailable, the current asset to liability ratio (over 12:1) suggests good liquidity. The small size and micro-entity status mean cash flow volatility could be higher, so ongoing cash management is critical. No signs of overdrafts or overdue payables mitigate immediate concerns about cash flow stress.

4. Monitoring Points

• Track revenue growth and profitability as the company matures beyond start-up phase.
• Monitor working capital changes and ensure current assets remain adequate against liabilities.
• Review director’s ongoing involvement and any changes in control or governance.
• Confirm timely filing of future accounts and confirmation statements to maintain compliance.
• Watch for any indications of scaling up operations, which may increase financial complexity and funding needs.