Company Number: 13249610

Analysis Date: 2025-07-20 17:36 UTC

1. Credit Opinion: APPROVE
   Chalamain Consulting Limited shows a stable financial position with positive net assets and net current assets exceeding current liabilities, indicating good short-term liquidity. The company is small and has a consistent financial profile over recent years, with no overdue filings or indications of financial distress. The director holds full control and appears to maintain sound stewardship. Given the micro-entity scale and absence of debt obligations reported, the credit risk is low for modest credit facilities.

2. Financial Strength:
   The balance sheet reflects net assets of approximately £16,000, stable over the last two years. Fixed assets are minimal (£433 in 2024), aligned with the consulting nature of the business. Current assets (~£21,700) comfortably cover current liabilities (~£5,200), resulting in net current assets of about £16,500, indicating sound working capital management. Shareholder funds match net assets, showing no external debt, which further supports financial resilience.

3. Cash Flow Assessment:
   While cash flow details are not explicitly provided, the strong net current assets and positive working capital suggest adequate liquidity. The company operates with only one employee (the director), minimizing overheads and preserving cash. No dividends or director loans are reported, reducing cash outflows. This implies the company should comfortably meet short-term obligations and manage modest credit lines.

4. Monitoring Points:

• Monitor the company’s cash flow statement when available to confirm liquidity trends.
• Watch for any increase in current liabilities or overdue filings that may signal financial stress.
• Observe changes in net assets or equity which could indicate capital erosion.
• Keep track of director conduct or changes in ownership/control for governance risks.