BARTON-JONES CONSULTING SERVICES LTD

Executive Summary

Barton-Jones Consulting Services Ltd is a newly formed micro-entity with a very modest financial base and minimal working capital. The company is solvent but financially fragile, with limited history to evaluate credit risk fully. Approval for small-scale credit is reasonable, contingent on close monitoring of cash flow and operational progress.

BARTON-JONES CONSULTING SERVICES LTD - Analysis Report

Company Number: 14849439

Analysis Date: 2025-07-29 17:40 UTC

1. Credit Opinion: APPROVE with caution. Barton-Jones Consulting Services Ltd is a very recently incorporated micro-entity with minimal financial history. The company shows a positive net asset position, albeit very small (£22), indicating the business is solvent at this stage. The single director and 100% shareholder is experienced in consulting, but the company currently operates with minimal scale and working capital. Given the micro-entity status and limited financial data, credit facilities should be modest and closely monitored. Approval is recommended for small credit lines to support initial operations, with reviews as more financial data becomes available.

2. Financial Strength: The company’s balance sheet is very limited in size, showing current assets of £5,070 against current liabilities of £5,048, resulting in net current assets of only £22 and shareholders’ funds equal to net assets at £22. This reflects a very tight financial structure with negligible buffer. The absence of fixed assets and minimal equity means the company’s financial strength is weak and vulnerable to any cash flow disruptions. However, no overdrafts or long-term debt are reported, which reduces immediate financial risk.

3. Cash Flow Assessment: Current liabilities nearly equal current assets, indicating working capital is essentially break-even. Without detailed profit and loss information, cash flow visibility is limited, but the micro-entity exemption from audit and filing of profit and loss accounts restricts insight into operating cash generation. The company employs only one person (the director), suggesting low overheads and limited cash outflows. Liquidity could be tight, so ongoing cash flow management will be critical to meet short-term obligations.

4. Monitoring Points:

• Future reported turnover and profitability to assess business growth trajectory.
• Changes in working capital and liquidity ratios, ensuring current assets continue to cover current liabilities.
• Timely filing of accounts and confirmation statements to maintain regulatory compliance.
• Any changes in director or ownership that could affect governance or control.
• Expansion of operations or hiring additional staff that may impact cash requirements.
• Monitoring industry trends in human resources consulting for potential business risks.