Company Number: 15266135

Analysis Date: 2025-07-29 14:24 UTC

1. Credit Opinion: APPROVE with conditions.
   Aymat Consulting Ltd is a newly incorporated micro private limited company active in specialist medical practice. The company shows modest but positive net current assets and shareholders’ funds, indicating a stable initial financial position. The single director and 100% shareholder, a medical consultant, appears to manage the business. However, as a start-up with limited trading history and scale, credit exposure should be limited and reviewed regularly until further trading and financial data are available.

2. Financial Strength:
   The balance sheet as of 31 March 2025 shows fixed assets of £963 and current assets of £4,260 against current liabilities of £3,630. This yields net current assets (working capital) of £630 and total net assets of £1,593 funded entirely by equity. The company has no long-term liabilities, which supports a conservative financial structure. However, the small asset base and limited capital mean financial resilience is low at present. The micro entity status and single employee highlight a lean operation.

3. Cash Flow Assessment:
   Current assets primarily consist of cash and receivables sufficient to cover short-term liabilities, providing a modest liquidity buffer. The positive net current assets indicate the company can meet immediate obligations without stress. However, cash flow visibility is limited due to the short trading period and absence of profit and loss data in the filing. Monitoring receivables and payables turnover will be critical to assess ongoing liquidity management.

4. Monitoring Points:

• Trading performance and revenue growth in subsequent accounting periods to assess business viability and cash generation.
• Timely filing of accounts and confirmation statements to maintain regulatory compliance.
• Director’s ability to manage working capital and control expenses given limited resources.
• Potential changes in ownership or management that may affect control and financial stewardship.
• Any emerging liabilities or commitments that could strain the current modest capital base.