COLLIES CONSULTING LTD

Executive Summary

Collies Consulting Ltd is a newly established micro private limited company with a solid initial financial position characterized by strong net current assets and shareholder funding. The company demonstrates good compliance with no overdue filings and appears well-capitalized for its start-up phase. Credit approval is recommended with prudent monitoring focused on operational cash flow development and working capital management.

COLLIES CONSULTING LTD - Analysis Report

Company Number: 15413862

Analysis Date: 2025-07-29 19:28 UTC

1. Credit Opinion: APPROVE
   Collies Consulting Ltd is a newly incorporated micro-entity with a strong initial balance sheet and no overdue filings, indicating good compliance and financial discipline. The company shows positive net current assets and net assets, suggesting sufficient short-term liquidity and a healthy equity base. Given the low operational scale and limited financial history so far, the credit exposure should be kept modest. However, the absence of audit and limited trading history means credit should be extended with standard monitoring and conservative limits.

2. Financial Strength:
   The company’s balance sheet as of 31 January 2025 shows total fixed assets of £1,394 and current assets of £63,394. Current liabilities stand at £18,156, yielding net current assets of £45,238 and net assets/shareholders’ funds of £46,632. This indicates a solid liquidity position with working capital comfortably positive. The equity base is entirely shareholder-funded with no external debt, which reduces financial risk. The micro-entity status means filings are simplified, but the company is well-positioned financially for its size and stage.

3. Cash Flow Assessment:
   Current assets largely exceed current liabilities, indicating adequate liquidity to meet short-term obligations. The working capital surplus of £45,238 reflects good operational cash flow or initial capital injection. The micro scale and low fixed asset base suggest limited capital expenditure needs. However, no detailed profit and loss or cash flow statements are available to assess operational cash generation. Given the company’s infancy, initial funding appears sufficient to support ongoing operations and short-term commitments.

4. Monitoring Points:

• Track future profitability and cash flow generation as trading develops, especially since the company is newly formed.
• Monitor receivables and payables turnover to ensure working capital remains healthy.
• Watch for any increase in liabilities that could pressure liquidity.
• Review director and shareholder changes or any significant operational shifts.
• Ensure timely filing of annual accounts and confirmation statements continue without delay.