Company Number: 12829633

Analysis Date: 2025-07-20 15:08 UTC

1. Credit Opinion: APPROVE
   Conker Tree Solutions Limited demonstrates a sound financial position with consistent growth in net assets and net current assets over the last four years. The company maintains a positive working capital and strong cash reserves, suggesting good capability to meet short-term obligations and service debt. The absence of overdue filings and stable management presence further supports creditworthiness.

2. Financial Strength:
   The company’s balance sheet shows steady improvement: net assets have increased from £23,136 in 2020 to £78,915 in 2024. Shareholders’ funds mirror this growth, indicating retained earnings and profitability. Tangible fixed assets are modest but stable, and there is no indication of significant long-term debt. The low level of director loans (£5,704) relative to assets is manageable. Overall, the financial structure is robust for a small private company.

3. Cash Flow Assessment:
   Liquidity is strong with cash holdings rising from approximately £23,739 in 2020 to £80,609 in 2024. Current liabilities remain stable around £20,000, resulting in healthy net current assets (working capital) of £74,058 in 2024, up from £21,526 in 2020. Debtor levels have increased but remain reasonable. The company appears to generate sufficient cash flow to cover its short-term liabilities comfortably.

4. Monitoring Points:

• Continue monitoring working capital trends, especially debtor days, to ensure cash flow remains strong.
• Watch director loans to ensure they do not increase disproportionately relative to equity.
• Maintain oversight on the modest fixed asset base to ensure capital expenditure aligns with business needs and profitability.
• Keep track of any changes in management or control that might affect governance or financial stewardship.