Company Number: 15237411

Analysis Date: 2025-07-29 12:27 UTC

1. Credit Opinion: DECLINE
   CKP Training Ltd is a newly incorporated micro-entity (since October 2023) with its first set of financials filed for the year ending October 2024. The company shows net current liabilities of £383 and overall net liabilities of £15, indicating a negative working capital and balance sheet deficit. The micro size and early stage of the business limit historical financial data for trend analysis. The negative net assets and current liabilities exceeding current assets suggest a weak liquidity position and limited capacity to meet short-term obligations. As such, the company currently lacks sufficient financial strength and resilience to support credit facilities without additional security or substantial financial support.

2. Financial Strength
   The balance sheet is modest with fixed assets of £368 and current assets of £1,323 against current liabilities of £1,706. This results in net current liabilities of £383 and a negative net asset position of £15. Shareholders’ funds are negative, reflecting an early loss or investment shortfall. The company's balance sheet is not yet robust enough to absorb financial shocks or support debt. The minimal asset base and negative equity suggest limited collateral value and financial cushion.

3. Cash Flow Assessment
   Current liabilities exceed current assets, indicating potential cash flow pressure. The working capital deficit of £383 implies that the company may struggle to meet immediate liabilities from its liquid resources. No profit and loss data were provided, but the negative net assets imply losses or capital consumption to date. The liquidity risk is heightened given the company’s infancy and micro scale, with no track record evidencing cash generation or operational profitability.

4. Monitoring Points

• Monitor subsequent filings for improvements in net assets and working capital.
• Track cash flow statements and P&L for evidence of operational cash generation.
• Observe any capital injections or funding rounds that strengthen equity.
• Review management’s plans for achieving profitability and liquidity improvements.
• Keep watch for any overdue filings or negative changes in director appointments.