ALL IN ONE BUILDING SOLUTIONS LTD

Executive Summary

All In One Building Solutions Ltd has demonstrated a significant improvement in its balance sheet over the last year, moving from a net liability to a small positive net asset position. However, the company’s ongoing negative working capital and limited scale present liquidity risks. Conditional credit approval is advisable, with strict monitoring of cash flow and working capital metrics to ensure sustainable debt servicing capacity.

ALL IN ONE BUILDING SOLUTIONS LTD - Analysis Report

Company Number: 13599913

Analysis Date: 2025-07-20 14:21 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   All In One Building Solutions Ltd shows a recent turnaround from significant net liabilities to a small positive net asset position in the latest financial year. The company remains a micro entity with limited scale and relatively tight liquidity, reflected in a current asset shortfall versus current liabilities (net current liabilities of £10.8k). While this is an improvement from prior years, the negative working capital suggests potential cash flow constraints. Conditional credit approval is recommended with limits aligned to the company’s size and cash flow cycle, subject to ongoing monitoring.

2. Financial Strength:
   The balance sheet has improved markedly over the last year, moving from a net liability position of -£40.8k (2022) to net assets of £5.8k (2023). Fixed assets have marginally increased to £18.3k, and current assets more than tripled to £57.4k, driven likely by increased receivables or cash balances. However, current liabilities remain high at £68.3k, resulting in negative net working capital. The company’s equity base is modest but positive, indicating some retained earnings or capital injection.

3. Cash Flow Assessment:
   The negative net current assets position highlights potential liquidity risks. The company’s ability to cover short-term liabilities with current assets is insufficient at present, which could strain day-to-day operations or delay supplier payments without additional financing or improved cash conversion. The modest scale (9 employees, micro-entity) and relatively short trading history (incorporated 2021) add to uncertainty. Management should be queried on cash flow management plans and working capital improvements.

4. Monitoring Points:

• Quarterly cash flow statements to monitor liquidity trends and working capital management.
• Timely filing of statutory accounts and confirmation statements (currently up-to-date).
• Changes in current liabilities or creditor terms that may impact liquidity.
• Profitability trends and margin stability given the construction sector’s cyclical nature.
• Management’s ability to convert increased turnover into positive cash flows and net assets.