Company Number: 13047076

Analysis Date: 2025-07-29 16:41 UTC

1. Credit Opinion: DECLINE
   Action and Achieve Limited demonstrates persistent negative net assets and shareholders' funds over the last three years, indicating ongoing losses and erosion of capital. The working capital position is negative and deteriorating, evidencing liquidity stress. The absence of fixed assets and minimal cash reserves relative to current liabilities raise concerns about the company’s ability to meet short-term obligations. The company’s financial trajectory shows no signs of recovery or growth, and there is limited financial buffer to withstand adverse conditions. Given these factors, the risk of default is elevated, and credit approval is not advisable at this time.

2. Financial Strength:
   The company has no fixed assets as of the latest year, relying entirely on current assets, primarily cash, which stands at only £3,695 against current liabilities of £5,001—resulting in a net current liability of £1,306. Shareholders' funds remain negative at £1,306, though this is an improvement from previous years. The company has been consistently loss-making, reflected in the accumulated deficit in the profit and loss account. Its small share capital (£100) provides minimal capital cushion. The balance sheet indicates weak capital structure and poor financial resilience.

3. Cash Flow Assessment:
   Current cash levels are insufficient to cover short-term liabilities, with net current liabilities negative for multiple years. The company’s cash increased slightly from £475 to £3,695 in the latest year but remains inadequate relative to liabilities. No evidence of trade debtors or other current assets is present to improve liquidity. The absence of borrowing or significant financial facilities limits options for improving cash flow. Overall, liquidity is tight, and working capital deficits suggest potential difficulties in meeting immediate creditors and operational expenses.

4. Monitoring Points:

• Monitor net current assets and cash flow trends closely for any further improvement or deterioration.
• Watch for timely payment of current liabilities and any increase in creditor days.
• Assess any changes in turnover or profitability that could affect retained earnings and net assets.
• Review director actions or capital injections that may strengthen the financial position.
• Monitor filings for any signs of financial distress such as late accounts or notices of insolvency proceedings.