COLIN WILLIAMS CONSULTANCY LTD

Executive Summary

Colin Williams Consultancy Ltd is a small, micro-entity management consultancy with limited financial resources and a marginal working capital deficit. The company is active and compliant but exhibits a fragile balance sheet with minimal equity and liquidity. Conditional credit approval is advised with low exposure and ongoing monitoring of cash flow and financial performance.

COLIN WILLIAMS CONSULTANCY LTD - Analysis Report

Company Number: 13841147

Analysis Date: 2025-07-20 15:59 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Colin Williams Consultancy Ltd is a micro private limited company active since early 2022, operating as a management consultancy. The company shows a very modest net asset base (£2,443 as of Jan 2024) with current liabilities slightly exceeding current assets, indicating a working capital deficit and minimal liquidity buffer. While there is no indication of insolvency or overdue filings, the thin capital base and recent director change warrant cautious credit terms, possibly with limits on exposure and periodic financial reviews. The company’s ability to meet short-term obligations could be constrained under stress, so credit facilities should be structured conservatively.

2. Financial Strength:
   The balance sheet reveals a small fixed asset base (£2,500) and declining net current assets (from positive £1,062 in 2023 to negative £57 in 2024). Net assets have increased slightly but remain very low at £2,443. Share capital is nominal (£2). The company’s financial position is fragile, with liabilities nearly matching assets, reflecting limited reserves and equity. This weak capitalization limits resilience to economic shocks or business downturns.

3. Cash Flow Assessment:
   Current liabilities marginally exceed current assets, indicating a slight liquidity shortfall as of the last accounting date. The absence of profit and loss data and micro-entity filing exemptions limit insight into operational cash flows, but the working capital position suggests tight cash management. The company employs one person, implying low fixed overheads, which may help preserve cash. Monitoring receivables, payables, and cash conversion cycles will be critical.

4. Monitoring Points:

• Working capital trends and liquidity ratios in upcoming accounts
• Profitability and cash flow statements when available
• Director changes and management stability, given recent turnover
• Compliance with filing deadlines remains current but should be tracked
• Changes in shareholding or control that may impact governance