Company Number: SC672758

Analysis Date: 2025-07-29 19:12 UTC

1. Credit Opinion: DECLINE
   AMC Solutions (Alba) Limited exhibits significant financial distress, with net liabilities of £22,009 as of the latest accounts (2023). The company’s net current liabilities have more than doubled from £20,878 in 2022 to £37,424 in 2023, indicating worsening liquidity issues. Despite being operational with 8 employees, the negative net assets and increasing current liabilities suggest an inability to meet short-term obligations reliably. The absence of a profit and loss account filing limits insight into operational profitability, but the balance sheet signals weak financial health and elevated risk for lending or credit extension.

2. Financial Strength:
   The balance sheet reveals fixed assets of only £16,459 and current assets of £54,086 against current liabilities of £91,510, resulting in a negative working capital position. The company’s total assets less current liabilities deteriorated from a positive £1,067 in 2022 to a negative £20,965 in 2023. Shareholders’ funds have moved from a marginal positive of £23 to a negative £22,009, reflecting accumulated losses or capital erosion. This micro-entity’s financial position is fragile, lacking sufficient equity cushion or asset backing to absorb shocks.

3. Cash Flow Assessment:
   Negative net current assets imply strained liquidity and potential cash flow deficits. Current liabilities nearly double current assets, raising concerns over the company’s ability to settle short-term debts without additional external funding. The working capital deficiency points to reliance on creditor financing or capital injections to manage day-to-day operations. With no audited cash flow statement available, the assessment leans on balance sheet figures indicating tight cash flows and limited liquidity buffer.

4. Monitoring Points:

• Monitor quarterly cash flow statements or management accounts for liquidity trends.
• Watch creditor aging and payment performance for signs of stress or defaults.
• Review any forthcoming filings, including profit and loss accounts, for profitability insights.
• Observe changes in director ownership or capital injections that may impact financial stability.
• Track any restructuring or refinancing efforts to improve working capital.