APEX STAFFING SOLUTIONS LIMITED

Executive Summary

APEX STAFFING SOLUTIONS LIMITED is a start-up micro-entity with a positive working capital but negative net assets, reflecting early-stage funding and losses. Credit facilities may be extended cautiously with conditions and close monitoring of cash flow and equity improvements. The company’s small scale and sector expertise provide some confidence, but financial resilience remains limited at this stage.

APEX STAFFING SOLUTIONS LIMITED - Analysis Report

Company Number: 14469384

Analysis Date: 2025-07-20 13:19 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   APEX STAFFING SOLUTIONS LIMITED is a newly incorporated micro-entity (since Nov 2022) operating in temporary employment and social work activities. The company shows current positive net working capital (£2,267) but reports overall net liabilities of £10,971, reflecting initial start-up losses and/or funding structure. Given the short trading history, small scale, and negative equity, credit should be extended cautiously and subject to monitoring of cash flow and profitability trends. The directors’ backgrounds in healthcare suggest relevant sector knowledge but limited financial track record. Approval is recommended with conditions including regular financial updates and limits on credit exposure until equity position improves.

2. Financial Strength:
   The balance sheet reflects typical start-up characteristics. Current assets of £16,718 exceed current liabilities of £14,451, yielding a modest positive working capital buffer, which supports near-term liquidity. However, the presence of longer-term creditors (£13,238) results in net liabilities and negative shareholders’ funds of £10,971, indicating reliance on external or director-related funding and a fragile equity base. The absence of fixed assets suggests limited tangible collateral. Overall financial strength is weak but not unusual for a micro-enterprise in early stages.

3. Cash Flow Assessment:
   The company’s net current assets position indicates some short-term liquidity to meet immediate obligations. The small scale (2 average employees) and micro status limit complexity but also constrain cash generation capacity. No profit and loss data is available, but negative net assets imply cumulative losses or investments exceeding earnings to date. Close attention should be paid to cash conversion cycles and timely collection of receivables, given the temporary staffing business model. The current asset composition and creditor profile must be monitored to avoid liquidity strain.

4. Monitoring Points:

• Quarterly cash flow statements and updated management accounts to detect early signs of cash stress.
• Profitability trends once P&L becomes available to assess operational viability.
• Changes in long-term creditor levels and any new financing arrangements.
• Director and shareholder equity injections or withdrawals impacting capital adequacy.
• Timely filing of annual returns and accounts to maintain compliance and transparency.