COTSWOLD COLLECTIVE LTD

Executive Summary

Cotswold Collective Ltd shows a promising financial trajectory with strong liquidity and a growing equity base in its formative years. The company maintains healthy working capital and cash flow, supported by prudent financial management. Credit approval is recommended with routine monitoring of financial performance and compliance.

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Company Analysis

This analysis is opinion only and should not be interpreted as financial advice.

COTSWOLD COLLECTIVE LTD - Analysis Report

Company Number: 14692845

Analysis Date: 2025-07-29 12:08 UTC

  1. Credit Opinion: APPROVE
    Cotswold Collective Ltd is a recently incorporated private limited company with a positive net asset position that has grown substantially in its first two years of trading. The company exhibits sound working capital management with a strong liquidity position and no overdue filings, indicating good compliance discipline. The director and sole shareholder maintains full control, and there is no adverse record or indication of financial distress. Given these factors, the company demonstrates adequate capacity to meet its short-term obligations and service credit facilities.

  2. Financial Strength:
    The balance sheet shows progressive growth in net assets from £1,072 at incorporation to £5,666 in the latest period, reflecting retained earnings accumulation. Fixed assets are minimal (£444) and primarily computer equipment, which is appropriate for a business in business support services. Current assets increased significantly to £7,465, driven mainly by cash (£6,809) and some debtors (£656). Current liabilities have increased but remain well covered, resulting in a healthy net current assets position of £5,222. Shareholders’ funds mirror net assets at £5,666, confirming a stable equity base. Overall, the financial position is solid for its size and age, with no reliance on long-term debt evident.

  3. Cash Flow Assessment:
    Cash balances have risen markedly from £1,931 to £6,809, evidencing strong liquidity and positive cash flow generation. The company maintains net current assets well above liabilities, signaling comfortable working capital coverage. Debtors are modest and manageable, with no indication of overdue or problematic receivables. Creditors are mostly short term and include taxation and social security, which appears appropriately accrued. The cash flow fundamentals suggest the company can readily meet operational expenses and short-term financial commitments.

  4. Monitoring Points:

  • Track revenue and profitability trends as the company matures to ensure continued profitability and cash flow sufficiency.
  • Monitor debtor ageing and creditor terms for any signs of working capital strain.
  • Observe any material changes in fixed assets or capital expenditure that may affect liquidity.
  • Confirm ongoing compliance with filing deadlines and regulatory requirements.
  • Review director’s conduct and ownership structure for any changes that could impact governance or credit risk.

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