Company Number: 14673520

Analysis Date: 2025-07-29 18:13 UTC

1. Credit Opinion: APPROVE with conditions. AGIMUS LIMITED is a newly incorporated micro-entity showing a modest but positive balance sheet with net assets of £32,387 and net current assets of £32,975. The company is active with no overdue filings and is fully controlled by a single director/shareholder, which simplifies governance but concentrates risk. While the current financial position appears stable, the lack of historical financial performance and limited operational scale (one employee) warrant cautious monitoring. Approval is recommended for modest credit facilities with regular review of trading and cash flow data.

2. Financial Strength: The balance sheet is healthy for a start-up micro-entity. Fixed assets are minimal (£412), reflecting little capital investment so far, but current assets of £45,442 against current liabilities of £12,467 provide positive working capital. The capital structure is purely equity funded at this stage, with no reported debt, indicating no immediate financial leverage risk. This suggests a conservative financial profile with limited risk of insolvency in the near term.

3. Cash Flow Assessment: The company’s net current assets position (£32,975) indicates sufficient liquidity to cover short-term obligations. However, the micro-entity scale and absence of detailed profit and loss or cash flow statements limit visibility on operational cash generation. Given the single employee and early stage status, cash flow is likely dependent on limited contract revenues or initial capital injections. Continued assessment of receipts from clients and timing of payables is essential to ensure ongoing liquidity.

4. Monitoring Points:

   • Track monthly cash flow and working capital changes to identify emerging liquidity issues.
   • Monitor revenue growth and profitability trends as trading progresses.
   • Watch for any director changes or new financing arrangements that could affect credit risk.
   • Review updated accounts and confirmation statements filed on time to ensure compliance remains strong.
   • Assess the impact of market conditions on the diverse consultancy and media activities classified under SIC codes.