AUERNHEIMER CONSULTING (UK) LTD

Executive Summary

Auernheimer Consulting (UK) Ltd is a newly formed micro-entity with a clean start, strong net asset position, and adequate liquidity to meet current obligations. The company’s financial foundation is solid for its scale, but credit approval should consider the absence of trading history. Continued monitoring of operational cash flows and compliance filings is recommended to ensure sustained creditworthiness.

AUERNHEIMER CONSULTING (UK) LTD - Analysis Report

Company Number: 14848586

Analysis Date: 2025-07-29 20:08 UTC

1. Credit Opinion: APPROVE Auernheimer Consulting (UK) Ltd is a newly incorporated micro-entity with a strong opening balance sheet showing positive net current assets and shareholders' funds. The company has no overdue filings and is under the sole control of an experienced director with full ownership. Given the absence of any liabilities beyond current obligations and a clean compliance record, the company demonstrates initial creditworthiness. However, as a start-up with no employees and limited operating history, lending should be on standard commercial terms with monitoring.

2. Financial Strength: The balance sheet dated 31 May 2024 reports fixed assets of £2,439 and current assets of £128,251 against current liabilities of £56,210, resulting in net current assets of £72,041 and total net assets/shareholders’ funds of £74,480. This indicates a solid capital base relative to the company’s size and suggests adequate buffer against short-term liabilities. The micro-entity classification reflects its small scale but the equity funding and asset position appear sound for the first year.

3. Cash Flow Assessment: Current assets include cash or equivalents sufficient to cover current liabilities by a ratio of approximately 2.3 times, which implies comfortable liquidity and working capital management. The net current asset position confirms the company can meet short-term obligations without stress. Absence of employees reduces payroll cash flow demands initially. The company’s cash flow should be reviewed on receipt of trading results to assess ongoing operating cash generation.

4. Monitoring Points:

• Trading performance and profitability once revenue and expenses begin to be recorded.
• Cash flow trends particularly if working capital needs increase with business growth.
• Timely filing of future annual accounts and confirmation statements to maintain compliance.
• Any changes in director or ownership that could affect governance or control.
• Emergence of any long-term liabilities or borrowings that may impact leverage or liquidity.