CREATIVE CROWD SOLUTIONS LIMITED

Executive Summary

Creative Crowd Solutions Limited is a compliant micro-entity with positive but declining net assets and working capital, indicating some financial tightening. While currently able to meet short-term obligations, the company’s limited equity and shrinking liquidity require cautious credit exposure with conditions for ongoing financial monitoring. Approval is recommended contingent on updated financial information and cash flow oversight to mitigate risk.

CREATIVE CROWD SOLUTIONS LIMITED - Analysis Report

Company Number: 13124297

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

1. Credit Opinion: CONDITIONAL APPROVAL
   Creative Crowd Solutions Limited is a micro private limited company showing stable but modest net assets and working capital. The company has maintained positive net current assets over the last three years and has no overdue filings, reflecting compliance and operational continuity. However, the decline in net assets from £10,378 in 2023 to £7,649 in 2024 and a reduction in net current assets indicate some financial pressure. Given its small size and recent incorporation, the company likely has limited financial resilience and a narrow equity base (£100 share capital). Credit facilities could be approved with conditions such as monitoring financial performance closely and requiring updated accounts or cash flow forecasts to ensure ongoing ability to meet liabilities.

2. Financial Strength:
   The balance sheet shows a modest fixed asset base (£4,879 in 2024) and current assets around £76k, primarily cash or receivables, with current liabilities near £72k. Net current assets remain positive but have decreased from £6,701 in 2023 to £4,120 in 2024, which may signal tightening liquidity. Net assets of £7,649 demonstrate a thin equity buffer. Accruals and deferred income are small (£1,350) but should be factored into working capital analysis. Overall, the financial structure is typical for a micro entity but suggests limited capacity for absorbing shocks or large financial commitments without impacting liquidity.

3. Cash Flow Assessment:
   While detailed cash flow statements are not provided, the positive net current assets indicate that the company currently holds sufficient short-term assets to cover immediate liabilities. However, the reduction in net current assets year-on-year warrants caution. The absence of employees suggests a lean operational model, which may limit cash burn but also implies reliance on directors or contractors. Cash flow management should be scrutinized, especially if credit terms or loan facilities are extended, to ensure timely debtor collections and management of payables.

4. Monitoring Points:

• Track net current assets and net assets quarterly to detect any further erosion of working capital or equity.
• Monitor timely filing of accounts and confirmation statements to maintain compliance and transparency.
• Request interim management accounts or cash flow forecasts to assess ongoing liquidity and operational cash generation.
• Evaluate director conduct and any changes in ownership structure or control that could affect governance or financial decision-making.
• Watch industry conditions in specialised design and management consulting for potential impact on revenue streams.