Company Number: 14988901

Analysis Date: 2025-07-29 19:10 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Consultas4 Limited is a very recently incorporated micro-entity with limited financial history. Its net assets of £1,121 and positive net current assets suggest a modest but positive working capital position. However, the lack of turnover, no employees, and minimal asset base mean its ability to service debt is unproven at this stage. Approval is conditional on obtaining further operational and trading data to confirm cash flow generation and business viability.

2. Financial Strength:
   The balance sheet is minimal as expected for a startup micro-entity. Current assets of £3,159 against current liabilities of £2,038 yield net current assets of £1,121, which is a positive liquidity indicator. Total net assets equal shareholders’ funds, indicating no external long-term liabilities. The company is unleveraged and equity-funded but very small scale with no fixed assets or reserves.

3. Cash Flow Assessment:
   With no employees and small working capital, the company likely relies on owner funding or initial capital injections. The absence of a profit and loss account limits insight into cash generation. The net current asset position suggests short term obligations can be met but the lack of operational history raises questions about sustainable cash flow to cover ongoing expenses and debt service.

4. Monitoring Points:

• Monitor next trading accounts and P&L reports for revenue and profitability development.
• Track cash flow statements to assess liquidity trends and ability to meet liabilities as they fall due.
• Review management updates on business model and client acquisition progress.
• Watch for any changes in director appointments or PSC structure which might impact control or risk profile.