AJF CONSULTANCY SERVICES LTD.

Executive Summary

AJF CONSULTANCY SERVICES LTD. exhibits a stable and improving financial position with strong liquidity and manageable liabilities. Its compliance track record and absence of red flags support an approval for credit facilities. Regular monitoring of working capital and governance practices is recommended to maintain creditworthiness.

AJF CONSULTANCY SERVICES LTD. - Analysis Report

Company Number: 12768417

Analysis Date: 2025-07-19 12:22 UTC

1. Credit Opinion: APPROVE
   AJF CONSULTANCY SERVICES LTD. demonstrates a stable financial position with consistent growth in net assets and positive working capital. The company is active with no overdue filings, indicating sound compliance and governance. Its micro entity status and small employee base suggest manageable operational scale, suitable for modest credit facilities. The absence of any director disqualifications or liquidation status supports confidence in management quality.

2. Financial Strength:
   The company’s balance sheet shows increasing net assets from £2,476 in 2020 to £29,661 in 2024, reflecting steady capital accumulation and retained earnings. Fixed assets remain modest (£2,040) relative to current assets (£46,896), indicating low capital intensity and flexibility. Current liabilities at £19,275 are well covered by current assets, yielding a strong net current asset position of £27,621. Shareholders’ funds equal net assets, confirming no hidden liabilities or off-balance sheet concerns.

3. Cash Flow Assessment:
   Net current assets of £27,621 provide a solid liquidity buffer, ensuring the company can meet short-term obligations without stress. The current ratio (current assets/current liabilities) is approximately 2.43, signaling healthy working capital management. The consistent increase in current assets over the years suggests positive operational cash inflows. No off-balance sheet liabilities are disclosed, reducing risks of unforeseen cash demands.

4. Monitoring Points:

• Continued monitoring of cash flow trends and working capital to ensure liquidity remains robust as the company grows.
• Watch for any significant changes in current liabilities or fixed asset investments that might affect capital structure.
• Confirm ongoing compliance with filing deadlines and regulatory requirements to avoid penalties or reputational risk.
• Observe any changes in ownership or management that could impact credit risk profile.