Company Number: 14573552

Analysis Date: 2025-07-29 18:12 UTC

1. Credit Opinion: APPROVE with conditions
   Crilda Consulting Limited is a newly incorporated micro-entity with no audit requirement and a clean filing history to date. The company shows a positive net asset position and working capital surplus indicating initial financial stability. However, as a start-up with just one financial year completed, limited trading history and only two employees, prudent credit approval should include conditions such as monitoring ongoing trading performance, timely filing, and confirmation of cash flow sufficiency before increasing credit exposure.

2. Financial Strength:
   The company’s balance sheet as of 31 March 2024 shows current assets of £172,153 against current liabilities of £96,768, yielding net current assets (working capital) of £75,385. Total net assets stand at £74,185, fully represented by shareholders’ funds. The absence of long-term liabilities and positive equity suggests no immediate solvency concerns. The micro-entity status means limited disclosure but the figures reflect a sound initial capital base and liquidity position.

3. Cash Flow Assessment:
   Current assets predominantly represent short-term assets, likely cash or receivables, supporting liquidity. Current liabilities are moderate and manageable within the asset base. The positive net working capital indicates the company can meet its short-term obligations comfortably. However, with only two employees and no detailed cash flow data, monitoring future cash generation and operating cycle efficiency is essential, especially if credit facilities are extended.

4. Monitoring Points:

• Ensure prompt and accurate filing of future accounts and confirmation statements to maintain compliance.
• Track revenue growth and profitability trends as trading history develops beyond the first year.
• Monitor working capital ratios and cash conversion cycle to ensure liquidity remains healthy.
• Observe any changes in ownership or director conduct that may affect governance or credit risk.
• Review any new debt or credit facilities for impact on leverage and liquidity.