ATHARV ANALYTICS LTD

Executive Summary

Atharv Analytics Ltd is a micro-sized, active software development company with strong net assets and positive working capital growth, indicating financial stability. The company’s liquidity position is healthy, and management is compliant with filing requirements. Approval for credit is recommended with ongoing monitoring of financial and operational metrics.

ATHARV ANALYTICS LTD - Analysis Report

Company Number: 14155014

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

1. Credit Opinion: APPROVE
   Atharv Analytics Ltd demonstrates a positive financial position with increasing net assets over the past two years. The company is micro-sized, engaged in software development, with a single director who also holds full control. There is no indication of overdue filings or financial distress. Given the company’s clean compliance record, stable ownership, and positive net asset growth, it appears capable of meeting its short-term obligations. Approval is recommended, subject to standard monitoring.

2. Financial Strength:
   The company’s net assets rose from £46,554 in 2023 to £88,533 in 2024, indicating a strong equity position relative to its size. Current assets increased significantly to £119,296, while current liabilities remain modest at £31,085, resulting in a healthy net current asset (working capital) position of £88,533. The balance sheet shows no long-term liabilities or fixed assets, consistent with a micro-entity in early stages of growth. Overall, the financial structure is sound with no signs of leverage or solvency risk.

3. Cash Flow Assessment:
   Current assets mainly comprise cash or equivalents and short-term receivables, supporting good liquidity. The net current assets suggest the company can meet its immediate liabilities comfortably. With only one employee (the director), operating expenses are likely low, aiding cash flow stability. Lack of detailed profit and loss data limits deeper cash flow analysis, but the balance sheet indicates sufficient working capital to service debts and operational needs.

4. Monitoring Points:

• Track continued growth in net assets and working capital to ensure expanding financial resilience.
• Monitor cash flow statements when available to confirm operational cash generation.
• Observe any changes in director or ownership structure that might affect governance or financial control.
• Watch for timely filing of accounts and confirmation statements to avoid compliance risks.
• Review any increase in liabilities or introduction of debt that could impact credit risk.