ANCIL WILLIAMS SOLUTIONS LIMITED

Executive Summary

ANCIL WILLIAMS SOLUTIONS LIMITED is a small, micro-entity with minimal financial resources and a marginal net asset base. The company demonstrates basic operational stability but limited financial strength and liquidity. Credit approval is recommended on a conditional basis with careful monitoring of cash flow and working capital trends due to tight margins and constrained financial buffers.

ANCIL WILLIAMS SOLUTIONS LIMITED - Analysis Report

Company Number: 12804510

Analysis Date: 2025-07-19 12:05 UTC

1. Credit Opinion: CONDITIONAL APPROVAL ANCIL WILLIAMS SOLUTIONS LIMITED is a micro-entity with a very modest financial footprint and a short trading history since incorporation in 2020. The company shows positive net assets and working capital but at a minimal level, indicating limited financial buffer. The slight decline in net assets from £187 to £171 and negative net current assets in the latest year (reported as -£1,871 in the document but seems a typographical error in the financial data summary where net current assets are positive; clarification needed) suggest constrained liquidity. There is no indication of significant debt or liabilities beyond current payables. The single director, Mr. Ancil Roy Williams, who holds majority control and acts as Managing Director, provides stable management continuity but the company’s scale and limited resources warrant caution. Credit should be extended on a conditional basis with close monitoring and possibly secured or limited exposure.

2. Financial Strength: The balance sheet reflects very modest fixed assets (£2,042 in 2024) and current assets (£10,087), primarily likely cash or receivables, against current liabilities of £11,958. The company's net assets are positive but marginal at £171, down slightly from previous years. The decrease in fixed assets and slight increase in current liabilities over the last year indicate some erosion in asset base and potential pressure on liquidity. The company’s capital base is minimal (£10 share capital) and retained earnings are low, consistent with a small start-up or early-stage enterprise. Overall, financial strength is limited but not negative.

3. Cash Flow Assessment: With only one employee and minimal fixed assets, the company’s operating expense base should be low. However, current liabilities slightly exceed current assets, implying potential short-term liquidity risk. The reported net current liabilities figure in the accounts document (£1,871) conflicts somewhat with the financial data summary, which lists net current assets positively; this discrepancy should be clarified. The company has not provided cash flow statements, but the limited scale suggests tight working capital management. The absence of overdue filings indicates responsible compliance, which supports operational discipline. The company should be monitored for timely receivables collection and control of payables to maintain liquidity.

4. Monitoring Points:

• Clarify net current asset position and reconcile reported figures.
• Monitor upcoming financial statements for changes in working capital and net assets.
• Watch for any increase in liabilities or overdue payments.
• Track turnover and profitability to assess growth trajectory.
• Confirm director’s continued active management and financial stewardship.
• Review any changes in capital structure or ownership that may affect credit risk.
• Ensure compliance with filing deadlines continues.