Company Number: 14113680

Analysis Date: 2025-07-20 15:39 UTC

1. Credit Opinion: APPROVE
   Affirm8 Consultancy Ltd demonstrates a stable financial position with positive net assets and improving net current assets over the last two years. The company is active, compliant with filing deadlines, and has no adverse operational flags such as liquidation or overdue accounts. The directors hold significant control and appear engaged. Given the micro-entity status and modest scale, the risk is low, and the company shows capacity to service credit facilities, subject to monitoring.

2. Financial Strength
   The balance sheet reflects modest fixed assets (£571) and healthy growth in net assets from £7,007 in 2023 to £13,257 in 2024. Current assets increased slightly to £20,099, and current liabilities decreased significantly from £12,796 to £8,043, improving liquidity and working capital. Shareholders’ funds doubled, indicating retained earnings or capital injection, enhancing solvency. The company employs 2 staff, consistent with its micro size and consultancy nature.

3. Cash Flow Assessment
   Net current assets improved from £5,980 to £12,686, indicating better short-term liquidity and capacity to meet short-term liabilities. The current ratio is approximately 2.5 (20,099/8,043), which is healthy for a service firm. The absence of audit requirements limits detailed cash flow visibility, but the positive working capital and no overdue payables suggest prudent cash management.

4. Monitoring Points

• Maintain vigilance on receivables and payables to ensure working capital remains positive.
• Monitor revenue and profitability trends once P&L details are available to confirm ongoing cash generation.
• Track directors’ continued engagement and any changes in ownership/control that could impact governance.
• Watch for any overdue filings or sudden increases in liabilities that could stress liquidity.