C KEYE LIMITED

Executive Summary

C Keye Limited is financially sound with strong liquidity and increasing equity, indicating a stable and growing business. Low liabilities and compliance with regulatory filings further support a low credit risk profile. Approval for credit facilities is recommended with standard ongoing monitoring of financial and operational developments.

C KEYE LIMITED - Analysis Report

Company Number: 13009483

Analysis Date: 2025-07-20 18:35 UTC

1. Credit Opinion: APPROVE. C Keye Limited demonstrates solid financial strength with a consistently positive and growing net asset position and extremely low current liabilities relative to current assets. The company is active, compliant with filing deadlines, and has no adverse legal or directorship issues. Given its micro-entity status and lack of employees, it likely operates with minimal overhead, enhancing its ability to service debt. The steady increase in shareholders’ funds over five years shows prudent management and a positive financial trajectory. No red flags suggest credit risk concerns at present.

2. Financial Strength: The balance sheet exhibits strong liquidity and solvency. Current assets have grown from £131k in 2020 to £556k in 2024, while current liabilities remain negligible (£3k in 2024). Net current assets and shareholders’ funds have correspondingly increased from £97k to £553k, signaling ample working capital and retained earnings. The company holds no significant long-term liabilities, indicating low gearing and financial risk. The absence of fixed asset details suggests a focus on liquid or short-term assets, consistent with its consultancy and real estate management activities.

3. Cash Flow Assessment: The company's net current assets position (working capital) is robust, with current assets vastly exceeding short-term obligations, implying strong liquidity. Although there is no detailed cash flow statement, the growth in net current assets alongside minimal liabilities suggests positive operational cash flows or capital injections. The lack of employees reduces fixed costs, supporting ongoing positive cash flow generation. This liquidity profile supports reliable debt service capability and operational resilience.

4. Monitoring Points:

• Monitor if the company takes on any significant debt or liabilities that could impair liquidity.
• Watch for any delays or issues in filing future accounts or confirmation statements.
• Track business activity changes, especially given the limited employee base, to ensure revenue generation remains stable.
• Review any changes in directors or control that might affect governance or risk profile.
• Observe cash flow and profitability trends when more detailed financials become available, particularly if the company expands.