AMAR AND SUDHA LIMITED

Executive Summary

AMAR AND SUDHA LIMITED shows a stable and improving financial position with growing net assets and strong liquidity metrics for a micro-entity. The company’s financial statements indicate sound management of resources and no immediate credit risk concerns. Approval for credit facilities is recommended with routine monitoring of liquidity and liabilities.

AMAR AND SUDHA LIMITED - Analysis Report

Company Number: 13153590

Analysis Date: 2025-07-29 20:54 UTC

1. Credit Opinion: APPROVE
   AMAR AND SUDHA LIMITED demonstrates a stable and improving financial position with increasing net assets and positive working capital over the last three years. The company is current with filings and shows no signs of financial distress or operational disruption. Despite being a micro-entity with minimal employees and modest capital, the positive trend in net current assets and shareholders’ funds supports its ability to meet short-term obligations. The director’s conduct record is clean, and there are no red flags related to management or company status.

2. Financial Strength:
   The company’s net assets increased from £19,284 in 2021 to £53,232 in 2024, showing steady growth. Current assets nearly doubled from £59,581 in 2023 to £101,406 in 2024, while current liabilities increased more moderately from £22,710 to £47,767. This resulted in an improved net current asset position of £53,639 in 2024 (2023: £36,871). The balance sheet is healthy for a micro-entity with no long-term liabilities reported, indicating low financial leverage and good equity backing.

3. Cash Flow Assessment:
   The company’s working capital position is strong and improving, indicating sufficient liquidity to meet short-term debts. The increase in current assets relative to current liabilities suggests adequate cash or liquid resources on hand. However, there is no detailed cash flow statement available, and the absence of employees implies limited operational complexity. The micro-entity status limits detailed financial disclosures but the positive net current asset growth supports ongoing operational liquidity.

4. Monitoring Points:

• Monitor the continued growth in current assets relative to liabilities to ensure liquidity remains stable.
• Watch for any increase in liabilities that may pressure working capital.
• Review future filings for any changes in operational scale or financial structure given the company’s micro size.
• Confirm the director maintains good governance and compliance with statutory requirements.
• Keep track of any changes in business activity or market conditions in the property management sector (SIC 98000) that could impact financial performance.