Company Number: 13638573

Analysis Date: 2025-07-29 20:23 UTC

1. Credit Opinion: APPROVE
   Chris Bagot Architects Ltd demonstrates a positive working capital position and increasing shareholders' funds over the recent financial years. Although a micro-entity with limited scale, the company shows improving net current assets and equity, reflecting prudent financial management. The absence of overdue filings and stable director involvement further supports creditworthiness. The company’s ability to service short-term liabilities is adequate, and there are no red flags regarding insolvency or director misconduct.

2. Financial Strength:
   The balance sheet reflects a strengthening financial base, with net current assets growing from £44.8k in 2023 to £71.5k in 2024. Shareholders' funds have also increased significantly from £44.8k to £71.5k, indicating retained earnings or capital injections. Current assets primarily consist of receivables and cash, sufficient to cover current liabilities comfortably. The company remains small in scale but exhibits a healthy balance sheet for its category.

3. Cash Flow Assessment:
   Current assets exceed current liabilities by a healthy margin, suggesting positive liquidity and working capital management. The company employs two persons (including the director), indicating controlled overheads. While detailed cash flow figures are not provided, the movement in net current assets and shareholders’ funds implies positive operational cash generation or capital support. No indication of cash flow distress or liquidity concerns is evident.

4. Monitoring Points:

• Maintain oversight on receivables ageing and creditor payment terms to ensure continued positive working capital.
• Watch for any sudden changes in current liabilities that could strain liquidity.
• Monitor revenue growth and profitability trends as the company matures beyond micro-entity scale.
• Track director and company filings to ensure continued compliance and transparency.
• Assess impact of any economic shifts affecting the architectural services sector on company cash flow.