CLUB66PRO LTD

Executive Summary

Club66Pro Ltd exhibits solid financial improvement with increased net assets and positive working capital, supporting its ability to meet current and near-term liabilities. The company’s investment in fixed assets alongside manageable liabilities indicates growth potential, though the new long-term creditor requires careful monitoring. Given stable management and no adverse signs, credit facilities can be approved with routine oversight of liquidity and debt obligations.

CLUB66PRO LTD - Analysis Report

Company Number: 13888119

Analysis Date: 2025-07-20 16:40 UTC

1. Credit Opinion: APPROVE with caution
   Club66Pro Ltd is a micro-entity operating in the education sector with recent incorporation (2022). Its latest accounts show positive net assets and net current assets, indicating a solvent position and some liquidity cushion. The company expanded fixed assets substantially in the latest year, suggesting investment in growth or operational capacity. However, the presence of a £75,000 non-current liability (creditors due after more than one year) requires monitoring as it may represent longer-term debt or finance obligations. Directors are stable and experienced, with no adverse records. Overall, the company demonstrates sound financial stewardship and the capacity to meet short-term liabilities, supporting approval for credit facilities, but subject to ongoing review of debt servicing and cash flow.

2. Financial Strength:

• Net assets grew from £18,346 in 2023 to £51,099 in 2024, a significant improvement.
• Fixed assets increased to £99,280, indicating capital investment, possibly funded by the new long-term liability of £75,000.
• Net current assets increased from £19,186 to £27,659, reflecting improved short-term financial health.
• Current liabilities are negative (creditors), but modest in size (£5,498), and comfortably covered by current assets (£33,157).
• The balance sheet shows a healthy equity base for a micro-entity, and no indication of distress.

3. Cash Flow Assessment:

• Current assets exceed current liabilities by £27,659, suggesting sufficient working capital to meet obligations.
• The increase in net current assets year-on-year indicates improving liquidity.
• Although the accounts do not provide detailed cash flow statements, the positive working capital and net asset growth imply adequate cash generation or funding.
• The company's small size and limited employee count (average 2 employees) suggest low fixed overheads, helping cash flow stability.

4. Monitoring Points:

• The £75,000 long-term creditor balance should be tracked to understand repayment terms and impact on cash flow.
• Continued growth in fixed assets should be assessed for return on investment and sustainability.
• Monitor net current assets and liquidity ratios regularly to ensure ongoing ability to service short-term debts.
• Review directors’ confirmation statements and any changes in ownership/control or adverse filings to detect governance risks.
• Watch for timely filing of future accounts and confirmation statements to maintain transparency.