ALMINNO CONSULTING LIMITED

Executive Summary

Alminno Consulting Limited is a recently established micro-entity with a modest but positive financial base and no current liabilities. The company demonstrates sound initial financial stewardship but limited trading history and cash flow generation. Credit approval is feasible with prudent limits and requires ongoing review of financial performance and liquidity as the business develops.

ALMINNO CONSULTING LIMITED - Analysis Report

Company Number: SC783713

Analysis Date: 2025-07-20 18:54 UTC

1. Credit Opinion: APPROVE with Caution
   Alminno Consulting Limited is a newly incorporated micro-entity with minimal financial history and limited scale. The company demonstrates positive net assets and no current liabilities, indicating a sound starting point. Given its micro-entity status and only one employee, the credit risk is low but the company’s ability to generate significant cash flow is unproven. Approval for a modest credit facility is reasonable, conditional on ongoing monitoring and updated financials to confirm business viability and cash flow generation.

2. Financial Strength:
   The balance sheet as of 30 September 2024 shows total net assets of £7,802, consisting primarily of current assets (£7,801) and minimal liabilities. Shareholders’ funds equal net assets, reflecting the initial capital injected. The absence of debt and positive working capital position suggest a stable financial base, though the scale is very small. The company’s micro classification limits disclosure and complexity, so detailed asset composition beyond cash/debtors is not available.

3. Cash Flow Assessment:
   With current assets essentially covering current liabilities, the company has positive net current assets of £7,801, signaling adequate liquidity for short-term obligations. However, the micro scale and single-employee structure imply limited operational cash flows at this stage. There is no evidence of revenue or profitability yet, so liquidity depends heavily on owner funding or initial contracts. Careful monitoring of cash inflows and outflows is advised, especially in early growth phases.

4. Monitoring Points:

• Timely filing of subsequent accounts and confirmation statements to verify ongoing compliance.
• Cash flow trends and profitability once trading activity scales beyond start-up phase.
• Changes in working capital and liquidity ratios as operations expand.
• Any increase in debt or credit facilities utilization.
• Business development progress in engineering-related consulting to assess sustainability.