COMPLETE FUNDRAISING SOLUTIONS LIMITED

Executive Summary

Complete Fundraising Solutions Limited shows sustained negative net assets and working capital deficiencies, indicating weak financial health and liquidity challenges. The company currently lacks the financial strength to support additional credit facilities without substantial risk mitigants. Close monitoring of cash flow improvements and equity support is essential before reconsidering credit exposure.

COMPLETE FUNDRAISING SOLUTIONS LIMITED - Analysis Report

Company Number: 13505605

Analysis Date: 2025-07-20 14:01 UTC

1. Credit Opinion: DECLINE
   Complete Fundraising Solutions Limited demonstrates a weak financial position with persistent net liabilities and negative net current assets over the last three years. The company’s inability to generate positive working capital and improve net assets raises significant concerns about its ability to service debt obligations and meet short-term liabilities. There is no evidence of financial improvement or profitability that would support extending credit without significant conditions or guarantees.

2. Financial Strength:
   The balance sheet reveals net liabilities of £10,573 as at 31 December 2024, improved slightly from £14,182 in the prior year but still negative. Fixed assets are minimal (£1,609), and current liabilities exceed current assets by £10,332, indicating ongoing liquidity strain. Shareholders’ funds remain negative, reflecting accumulated losses. The company remains a micro-entity, with limited capital (£4 share capital), and no apparent reserves to absorb further losses.

3. Cash Flow Assessment:
   With current liabilities substantially higher than current assets, the company lacks sufficient working capital, leading to negative net current assets. This position suggests cash flow constraints and potential difficulties in meeting immediate obligations. No audit or detailed profit & loss data was provided, but the balance sheet position implies operating cash flows may be inadequate or negative. The small scale of operations (3 employees) limits resource flexibility.

4. Monitoring Points:

• Track improvements in net current assets and liquidity ratios (current ratio, quick ratio).
• Monitor profitability and cash flow from operations in future accounts filings.
• Watch for changes in share capital or equity injections that might strengthen the balance sheet.
• Review director appointments and related-party transactions for governance concerns.
• Confirm timely filing of accounts and confirmation statements to avoid regulatory risks.