C.L CONSULTANCY LIMITED

Executive Summary

C.L CONSULTANCY LIMITED is a recently established micro-entity with a sound opening balance sheet, positive working capital, and no overdue statutory filings, indicating initial financial discipline. The company has adequate liquidity to support current operations but remains at early-stage risk due to limited trading history and single-person control. Credit approval is recommended with modest limits and ongoing monitoring of financial performance and governance.

C.L CONSULTANCY LIMITED - Analysis Report

Company Number: 15380144

Analysis Date: 2025-07-19 12:34 UTC

1. Credit Opinion: APPROVE (with caution) C.L CONSULTANCY LIMITED is a newly incorporated micro-entity with a clean status and no overdue filings, showing initial signs of prudent financial management. The company exhibits positive net current assets and equity, indicating it can meet short-term obligations. However, given its early stage with only one financial year of data and a single director controlling 100% of shares and voting rights, the credit risk remains moderate. Approval is recommended for modest credit facilities with ongoing monitoring.

2. Financial Strength: The balance sheet as of 31 January 2025 shows fixed assets of £979 and current assets of £21,888 against current liabilities of £13,691. This results in net current assets of £8,197 and total shareholders’ funds of £9,176. The company is solvent with positive working capital and equity. However, the asset base is small and concentrated, reflecting the micro status and limited operating history. No long-term debt is reported, reducing leverage risk.

3. Cash Flow Assessment: Current assets (likely cash and receivables) exceed current liabilities by a comfortable margin, supporting liquidity. The net current asset position of £8,197 suggests adequate short-term liquidity to service payables and operational expenses. With only one employee and limited fixed assets, operating cash flow requirements should be manageable. There is no evidence of cash flow strain or reliance on external borrowing at this stage.

4. Monitoring Points:

• Revenue growth and profitability trends as the company matures beyond initial setup.
• Maintenance of positive working capital and liquidity ratios.
• Director concentration risk, as the company is controlled fully by one individual.
• Timely filing of accounts and confirmation statements to ensure compliance.
• Any changes in ownership or control that might impact governance or credit risk.
• Expansion of asset base or accumulation of debt that might affect solvency.