CARRERA CONSULTING LTD

Executive Summary

Carrera Consulting Ltd is a small, newly established consultancy with a clean, modest balance sheet and positive liquidity. Although it currently holds no trading profits and limited operational history, the financial position is stable with no debt beyond tax liabilities. Conditional credit approval is justified, pending evidence of sustainable trading performance and continued prudent financial management.

CARRERA CONSULTING LTD - Analysis Report

Company Number: 15107389

Analysis Date: 2025-07-20 13:51 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Carrera Consulting Ltd is a recently incorporated management consultancy with limited trading history (one financial period). The company shows positive net current assets and no debt beyond short-term tax liabilities. However, the absence of trading profits and minimal financial history require ongoing monitoring. Approval is recommended on a conditional basis, subject to continued positive cash flow and no significant increase in liabilities or adverse changes in business conditions.

2. Financial Strength:
   The balance sheet at 31 August 2024 shows net assets of £23,619, entirely equity-financed with no long-term liabilities. Current assets consist solely of cash of £31,505, while current liabilities of £7,886 represent tax and social security obligations. The company has no fixed assets or other working capital components. The financial position is stable but very modest in scale, reflecting the early stage of the business.

3. Cash Flow Assessment:
   Cash reserves of £31,505 provide adequate short-term liquidity to cover current liabilities of £7,886, yielding a healthy net current asset position of £23,619. The company does not employ staff and has low overheads, which supports liquidity. However, with a sole director-owner and no trading profit disclosures, reliance on external funding or owner injections may be necessary until the business generates consistent cash inflows.

4. Monitoring Points:

• Monitor future trading results and profitability to assess sustainability.
• Watch working capital trends and ensure current liabilities remain manageable relative to cash reserves.
• Track director’s financial support and any related party transactions.
• Review tax liabilities to avoid accrual of unpaid obligations.
• Confirm ongoing compliance with filing deadlines and no negative changes in company status.