ACCOUNTABLE GROWTH LTD

Executive Summary

Accountable Growth Ltd is a micro-entity with extremely limited financial resources and negligible net assets, presenting a high credit risk. The company’s balance sheet shows minimal working capital and equity, suggesting it cannot comfortably service debt or absorb financial shocks. Credit facilities are not recommended without substantial collateral or guarantees given the fragile financial position and early stage of business development.

ACCOUNTABLE GROWTH LTD - Analysis Report

Company Number: 14257014

Analysis Date: 2025-07-20 16:50 UTC

1. Credit Opinion: DECLINE
   Accountable Growth Ltd shows very minimal net assets (£30 in 2024 down from £95 in 2023) and negligible working capital, indicating extremely limited financial buffer. The micro-entity scale and minimal asset base suggest the company lacks the financial strength to reliably service debt or sustain credit exposure. No audit or detailed profit and loss data is provided, and the business appears to be in a very early growth stage with only one employee. Given these factors, extending credit would carry high risk without additional security or guarantees.

2. Financial Strength:
   The balance sheet reflects very low total net assets and minimal current net assets (£30), indicating a fragile financial position. Current assets barely cover current liabilities, showing tight liquidity. No fixed assets or tangible capital is reported. Shareholders’ funds are minimal (£30), with a declining trend over the last year. This suggests limited equity injection or retained earnings and very little cushion against operational setbacks.

3. Cash Flow Assessment:
   Working capital is nearly zero, with current assets just exceeding current liabilities by £30, indicating very limited liquidity. The company’s ability to meet short-term obligations from available cash and receivables is constrained. With only one employee and presumably minimal operating activity, cash inflows may be irregular or insufficient to build reserves. There is no indication of positive cash flow generation or profitability.

4. Monitoring Points:

• Net current assets and net assets trends for signs of capital strengthening or deterioration
• Cash flow statements (when available) to assess liquidity improvements
• Profitability indicators and revenue growth to evaluate business viability
• Director changes or significant shareholding movements that may impact control or risk
• Timely filing of accounts and confirmation statements as indicators of regulatory compliance and management capability