ACF SOLUTIONS LTD

Executive Summary

ACF Solutions Ltd is a small, financially stable micro-entity with positive net assets and sufficient working capital to meet obligations. Its modest growth and clean compliance record support an approval for credit at a scale appropriate for its size. Ongoing monitoring of liquidity and operational performance is recommended to ensure continued creditworthiness.

ACF SOLUTIONS LTD - Analysis Report

Company Number: 14210891

Analysis Date: 2025-07-29 20:02 UTC

1. Credit Opinion: APPROVE
   ACF Solutions Ltd demonstrates stable financial footing with modest but positive growth in net current assets and shareholders' funds over the last two years. The company maintains a positive net asset position and sufficient working capital, indicating it can meet short-term obligations. There are no overdue filings or signs of financial distress. Given its micro-entity status and a single employee, credit exposure should be moderate and aligned with the company’s scale.

2. Financial Strength:
   The company's balance sheet shows total assets less current liabilities of £27,068 as at 31 July 2024, a slight increase from £26,874 the previous year. Fixed assets have marginally decreased from £10,716 to £9,027, while current assets increased from £23,665 to £27,634. Current liabilities rose from £7,507 to £9,593, but net current assets improved from £16,158 to £18,041, reflecting solid short-term liquidity. Shareholders’ funds remain positive and stable, evidencing retained earnings and no accumulated losses. The company’s capital structure is simple and unleveraged, supporting credit reliability.

3. Cash Flow Assessment:
   With net current assets of £18,041 and current assets notably higher than current liabilities, ACF Solutions Ltd has adequate liquidity to cover short-term liabilities. The increase in current assets suggests good cash or receivables management. However, detailed cash flow statements are not provided, so assessment of operating cash generation capacity is limited. The company’s micro scale and single-employee structure suggest lean operations with controlled overheads, reducing cash flow volatility risk.

4. Monitoring Points:

• Continued maintenance of positive net current assets and shareholders' funds to ensure liquidity and solvency.
• Watch for any significant increase in liabilities or decrease in current assets that could strain working capital.
• Monitor operational growth or contraction trends given the micro-entity status and limited human resources.
• Keep track of filing deadlines and compliance to avoid legal or financial penalties.