ALAN F FOX CONSULTING LTD

Executive Summary

Alan F Fox Consulting Ltd is a micro-entity showing positive financial progression with improving equity and sufficient liquidity to cover short-term liabilities. Its limited operational scale and no employees reduce risk, supporting a credit approval with moderate exposure. Continued monitoring of working capital and financial growth is recommended as the business develops.

ALAN F FOX CONSULTING LTD - Analysis Report

Company Number: 14315025

Analysis Date: 2025-07-20 11:53 UTC

1. Credit Opinion: APPROVE
   Alan F Fox Consulting Ltd demonstrates an improving financial position with positive net assets and shareholders' funds growing from £2,611 in 2023 to £7,068 in 2024. The company’s current liabilities are covered by current assets, indicating an ability to meet short-term obligations. The absence of employees suggests low operational risk and controlled expenses. However, as a micro-entity with limited trading history, credit exposure should be moderate and monitored closely.

2. Financial Strength:
   The balance sheet shows steady growth. Fixed assets increased modestly from £718 to £4,548, reflecting some investment in long-term resources. Current assets rose from £25,647 to £28,435, while current liabilities increased from £23,754 to £25,915. Net current assets remain positive but modest at approximately £2,520 (£28,435 - £25,915). Shareholders’ funds nearly tripled year-on-year, indicating retained earnings or capital injections improving equity base and financial resilience.

3. Cash Flow Assessment:
   The company holds sufficient current assets relative to current liabilities, suggesting adequate liquidity. Cash specifics are not separately disclosed for 2024 but were £25,647 in 2023, indicating a strong cash position previously. The working capital remains positive, though the margin is narrow; this requires ongoing monitoring to ensure liquidity does not deteriorate under operational pressures. The absence of employees implies limited payroll obligations, reducing cash outflow risks.

4. Monitoring Points:

• Monitor working capital trends to ensure current assets consistently exceed current liabilities.
• Watch for any increase in liabilities that could strain liquidity.
• Track revenue growth and profitability as the company matures beyond micro-entity status.
• Confirm ongoing compliance with filing deadlines and absence of adverse director conduct.
• Evaluate any changes in asset base or capital structure that might affect financial stability.