ALLPLANNING LIMITED

Executive Summary

Allplanning Limited is a small but active private company with a stable balance sheet and positive working capital, supporting a conditional credit approval. The company’s financial position shows some weakening over the last year, necessitating careful monitoring of liquidity and profitability. Continued timely compliance and operational stability are critical to maintain creditworthiness going forward.

ALLPLANNING LIMITED - Analysis Report

Company Number: 12495033

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

1. Credit Opinion: CONDITIONAL APPROVAL
   Allplanning Limited is a micro-entity with a small but positive net asset base and no overdue filings. The company shows a modest but steady net asset position (£11,579 as of 31 March 2024) and positive net current assets (£9,645), indicating some working capital buffer. However, the declining total assets less current liabilities from £19,024 in 2023 to £12,839 in 2024 indicates a weakening asset base. There are no signs of financial distress or director disqualifications, but the low scale of operations and limited capital suggest caution. Credit approval should be conditional on continued timely filings and monitoring of liquidity trends.

2. Financial Strength:
   The balance sheet reveals fixed assets of £3,194 and current assets of £15,527 against current liabilities of £5,882. Net current assets are positive, supporting short-term obligations. However, net assets declined by 35% compared to the previous year (£17,774 in 2023), reflecting erosion of reserves possibly from operating losses or asset disposals. Share capital is nominal (£100), indicating capital is almost entirely from retained earnings. The company’s micro size and limited financial resources imply vulnerability to adverse market changes.

3. Cash Flow Assessment:
   Current liabilities are manageable and less than current assets, suggesting adequate liquidity to cover short-term debts. The reduction in net current assets from £13,809 (2023) to £9,645 (2024) signals tightening working capital, which requires close monitoring. The absence of detailed cash flow statements limits comprehensive assessment, but the positive net current assets and lack of overdue payments are encouraging. The company’s two employees and modest scale indicate low fixed overheads, which may aid cash flow stability.

4. Monitoring Points:

• Monitor net current assets and liquidity closely to detect any further deterioration.
• Watch for any overdue statutory filings or director changes that could indicate operational issues.
• Track profitability and reserve levels in future accounts to ensure financial resilience.
• Assess any changes in industry conditions impacting urban planning and consultancy activities.
• Confirm the company maintains adequate credit control and cash collection given its small size.