Company Number: 14364739

Analysis Date: 2025-07-20 16:10 UTC

1. Credit Opinion: APPROVE
   Claire Calder Consultancy Limited demonstrates a stable and improving financial position with no overdue filings or legal issues. The company’s cash position and net current assets have more than doubled in the latest financial year, indicating increased liquidity and operational efficiency. Management appears responsible with timely compliance and growing equity, supporting their ability to service debt and meet commercial obligations.

2. Financial Strength:
   The company is classified as a small private limited company with no long-term liabilities reported. Shareholders' funds increased from £22,309 in 2023 to £55,190 in 2024, showing retained earnings growth and positive net assets. The balance sheet is simple, with no fixed assets disclosed and current assets largely comprised of cash (£83,032). Current liabilities remain moderate (£27,842) relative to liquid assets, resulting in a healthy net working capital of £55,190.

3. Cash Flow Assessment:
   Cash at bank more than doubled from £40,730 in 2023 to £83,032 in 2024, reflecting strong liquidity. Debtors have been fully collected by 2024, which improves cash conversion. Current liabilities are well covered by cash and other current assets, ensuring the company can comfortably meet short-term obligations. The increase in working capital supports ongoing operations and potential credit facility utilization.

4. Monitoring Points:

• Maintain positive cash flow trends and monitor debtor days if credit sales increase.
• Watch for any growth in current liabilities that might outpace asset growth.
• Track profitability metrics when available, since income statement details are currently not disclosed.
• Review any changes in director or PSC structure that could impact control or operational decisions.
• Ensure continued compliance with filing deadlines and regulatory requirements.