ANVALD TECHNOLOGY SOLUTIONS LTD

Executive Summary

Anvald Technology Solutions Ltd is a newly incorporated micro-entity with a stable financial base and positive working capital, indicating an ability to meet short-term obligations. The company is currently small with limited operating history, so credit exposure should be conservative and closely monitored. Overall, the company presents low credit risk at this early stage with prudent financial management evident.

ANVALD TECHNOLOGY SOLUTIONS LTD - Analysis Report

Company Number: 14816731

Analysis Date: 2025-07-20 11:25 UTC

1. Credit Opinion: APPROVE
   Anvald Technology Solutions Ltd is a recently incorporated micro-entity with a clean compliance record regarding filings and no overdue accounts or confirmation statements. The company reports positive net current assets and net equity, indicating a modest but stable financial base. The controlling director holds significant ownership and managerial control, showing clear accountability. Given the company’s micro status, limited operational scale, and positive working capital, it appears capable of meeting short-term obligations and servicing modest credit facilities. However, as a start-up with only one employee and limited financial history, credit exposure should be cautiously sized and monitored closely.

2. Financial Strength:
   The balance sheet as at 30 April 2024 shows current assets of £20,634 against current liabilities of £8,584, resulting in net current assets (working capital) of £12,050. Total net assets stand at £10,850, representing shareholder funds and retained earnings. The company has no long-term liabilities or fixed assets reported, indicating limited capital investment so far. Overall, the financial position is sound for a micro-entity start-up with a positive equity base and no apparent financial distress.

3. Cash Flow Assessment:
   Current assets primarily consist of cash or equivalents and receivables sufficient to cover short-term liabilities comfortably, reflecting a healthy liquidity position. The net current asset surplus provides a buffer for day-to-day liquidity needs. However, limited financial history and scale mean cash flow volatility risk is higher, so ongoing monitoring of cash conversion cycles and debtor collections is recommended.

4. Monitoring Points:

• Progress in revenue generation and profitability given the start-up stage.
• Maintenance of positive net current assets and liquidity ratios.
• Timely filing of future accounts and confirmation statements to avoid regulatory risk.
• Any changes in ownership or director appointments impacting governance.
• Scale of credit facilities relative to working capital to avoid overextension.