Company Number: 14971177

Analysis Date: 2025-07-29 17:25 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Consultare Services Ltd is a recently incorporated micro-entity with a very modest asset base and minimal liabilities. The company shows positive net current assets and a positive net asset position, although the equity is low at £44. Given its early stage and small scale, it currently demonstrates limited financial strength but no immediate credit risk. Approval is conditional upon ongoing monitoring of cash flow and growth, as the company must prove its ability to generate sustainable revenues and maintain liquidity.

2. Financial Strength:
   The balance sheet as of 30 June 2024 shows current assets of £581 against current liabilities of £237, resulting in net current assets of £344. Total net assets stand at £44, reflecting minimal capital and reserves. The presence of accruals and deferred income (£300) indicates some prepaid income or expenses that require attention. The company is a micro-entity with no long-term assets or significant liabilities, limiting financial flexibility. Overall, the financial strength is weak but stable at this initial stage.

3. Cash Flow Assessment:
   With current assets slightly above current liabilities, the company maintains positive working capital (£344). However, the absolute cash and liquid asset amounts are very small (£581 current assets), which suggests tight liquidity. The company must closely manage cash flow, especially since it currently operates with only one employee (the director), limiting operational scale. No audit requirement and micro-entity filing imply simplified financials, but also less transparency on cash flows. Liquidity is adequate for current operations but vulnerable to unforeseen expenses.

4. Monitoring Points:

• Revenue growth and ability to generate consistent cash inflows
• Maintenance or improvement of net current assets and net asset position
• Management of accruals and deferred income balances
• Timely filing of accounts and confirmation statements
• Any changes in director or significant control status
• Expansion of operational scale beyond micro-entity thresholds
• Potential need for additional funding as the business develops