CLASSICAL CONVERSATIONS UK&I LIMITED

Executive Summary

Classical Conversations UK&I Limited shows a steadily improving financial position with strong liquidity and positive net assets, supporting its ability to meet credit obligations. The company’s micro-entity status and consistent filings indicate sound management and low financial risk. Continued monitoring of liquidity and operational performance is recommended to maintain creditworthiness.

CLASSICAL CONVERSATIONS UK&I LIMITED - Analysis Report

Company Number: 12607447

Analysis Date: 2025-07-29 14:45 UTC

1. Credit Opinion: APPROVE
   Classical Conversations UK&I Limited demonstrates a solid micro-entity financial profile with improving net assets and working capital over the past four years. The company’s current assets comfortably exceed current liabilities, indicating good short-term liquidity. Although the company has minimal fixed assets and no employees, the steady increase in net assets from a negative £5,494 in 2020 to positive £36,511 in 2024 suggests sound financial management and an improving credit position. The absence of overdue filings and no insolvency indicators further supports a positive credit stance.

2. Financial Strength:
   The company’s balance sheet shows a stable and improving financial position. Net assets have grown from a negative position in 2020 to £36,511 in 2024. Current assets increased significantly to £89,276 in 2024, primarily cash or receivables, while current liabilities remained manageable at £26,510. Long-term liabilities have decreased from £15,803 to £11,130, which improves solvency. Share capital remains nominal (£1.00), indicating the company relies on retained earnings or external funding for growth. The micro-entity status and lack of employees suggest a low-cost structure.

3. Cash Flow Assessment:
   The company maintains strong net current assets (£63,213 in 2024), indicating sufficient liquidity to meet short-term obligations and service any credit facilities. The working capital trend is positive, increasing from £5,311 in 2020 to £63,213 in 2024, evidencing improved cash flow management. No overdrafts or negative cash flows are reported, which reduces risk of liquidity shortfalls. However, the absence of an audited profit and loss account limits visibility on operational cash generation.

4. Monitoring Points:

• Continue monitoring net current assets and liquidity to ensure sustained ability to meet short-term obligations.
• Watch for increases in long-term liabilities which could affect solvency.
• Review any changes in business scale or employment levels that could impact cash flow needs.
• Observe director and company filings remain timely and compliant.
• Seek clarity on revenue and profit trends via future profit and loss disclosures for deeper credit risk assessment.