CRM ANALYTICS LIMITED

Executive Summary

CRM Analytics Limited is an early-stage micro-entity with negative net assets and limited financial data, indicating weak creditworthiness at this time. The company is not currently positioned to support credit facilities due to lack of profitability and liquidity. Close monitoring of financial development and operating cash flow is recommended before reconsidering credit exposure.

CRM ANALYTICS LIMITED - Analysis Report

Company Number: SC757721

Analysis Date: 2025-07-20 14:19 UTC

1. Credit Opinion: DECLINE
   CRM Analytics Limited is a newly incorporated micro-entity with minimal financial history and a negative net asset position of £348. The company shows net liabilities due to accruals and deferred income exceeding current assets. There is no evidence of positive operating cash flow or profitability yet, which is expected at this early stage. Given the weak balance sheet, lack of trading history, and no external equity or debt funding, the company currently lacks the financial strength or track record to support credit facilities.

2. Financial Strength:
   The balance sheet as of 28 February 2024 shows current assets of £42 against accruals and deferred income liabilities of £390, resulting in net liabilities of £348. The negative shareholders' funds reflect initial start-up costs or prepayments not yet matched by income. The company’s capital structure is weak, and the absence of fixed assets or tangible net worth limits collateral value. Being a micro-entity with one employee (the director) and no audit requirement, financial transparency is limited but consistent with early-stage status.

3. Cash Flow Assessment:
   There is no detailed cash flow information provided, but the negligible current assets (£42) and negative net working capital suggest tight liquidity. The company likely relies on director funding or external capital injections to meet short-term obligations. Without operational revenue or positive cash inflows, the ability to service debt or meet commercial commitments is highly uncertain at present.

4. Monitoring Points:

• Development of positive net assets and shareholders’ funds through retained earnings or capital injections.
• Generation of operating income and positive cash flows from software development activities.
• Changes in accruals and deferred income balances indicating revenue recognition progress.
• Timely filing of accounts and confirmation statements to ensure compliance.
• Director’s engagement in business growth and financial management.