Company Number: 14006620

Analysis Date: 2025-07-29 21:06 UTC

1. Credit Opinion: APPROVE with conditions
   Andrew Ogg Consulting Limited is a micro private limited company with a stable balance sheet and positive net current assets, indicating a capacity to meet short-term obligations. The company is active, compliant with filing deadlines, and led by a qualified director (a Chartered Accountant) demonstrating sound financial stewardship. However, the company’s small scale, limited asset base (£6,706 net assets), and minimal employee count (1) suggest exposure to operational risks and limited financial cushioning. Approval is recommended with conditions that monitor cash flow closely and require updated financials for credit limit increases.

2. Financial Strength:
   The company’s financial position shows modest net assets of £6,706 at 30 June 2024, slightly down from £8,117 the previous year. Current assets (£21,669) exceed current liabilities (£14,963), producing positive working capital of £6,706. The balance sheet reflects no long-term assets or liabilities, consistent with a micro entity primarily delivering consulting services. The stability of net assets over time suggests no material deterioration, but the scale is minimal, which limits buffer capacity against unforeseen losses.

3. Cash Flow Assessment:
   Working capital is positive and stable, supporting ongoing operations and short-term liabilities. The company’s sole employee/director suggests low overhead costs. However, current liabilities are substantial relative to net assets, so liquidity could be sensitive to any delays in receivables or unexpected expenses. The absence of detailed profit and loss data constrains full cash flow analysis, so continued monitoring of cash flow and receivables turnover is advised.

4. Monitoring Points:

• Maintain regular updates on cash flow statements and debtor aging.
• Watch for any significant increases in current liabilities or delays in payment cycles.
• Review annual filings promptly to detect early signs of financial stress or decline in net assets.
• Monitor potential changes in ownership or management that could affect control or operational continuity.