Company Number: 14719586

Analysis Date: 2025-07-29 20:34 UTC

1. Credit Opinion: APPROVE
   Crystal Klean Commercial Limited presents as a newly established but growing micro-entity with improving financial metrics. The company has expanded its workforce from 20 to 31 employees within one year, indicating business growth. There are no overdue filings or signs of financial distress. The director and significant shareholder, Miss Claire Gilbert, maintains full control, which suggests stable management. The company’s current liabilities are covered by current assets with a healthy net current asset position, implying it can meet short-term obligations. Based on available data, the company appears capable of servicing credit facilities.

2. Financial Strength:
   The balance sheet shows a positive trajectory over two years with net assets increasing from £17,594 (2024) to £49,221 (2025). Fixed assets are minimal (£1,036), typical for a service-oriented cleaning business. The substantial increase in current assets (from £83,540 to £122,794) and net current assets (from £17,594 to £48,185) reflects growing working capital. Shareholders’ funds mirror net assets, indicating no significant external debt. The business is well-capitalized at this micro level, with no indications of leverage or solvency issues.

3. Cash Flow Assessment:
   Current assets comfortably exceed current liabilities, with a net current asset position of £48,185 at the latest year-end, representing a strong liquidity buffer. Prepayments and accrued income increased to £31,007, which may reflect upfront payments or contracts in place, suggesting stable cash inflows. The working capital trend is positive and supports ongoing operational needs. No cash flow red flags such as overdue creditors or current liabilities exceeding liquid assets are evident.

4. Monitoring Points:

• Track revenue growth and profitability trends once P&L data is available to confirm sustainable cash flow generation.
• Monitor the working capital cycle, particularly debtor collections and creditor payments, to ensure liquidity remains strong.
• Evaluate management continuity and any changes in ownership or control that could impact financial stability.
• Keep an eye on employee headcount changes as a proxy for operational scale and cost structure adjustments.
• Review subsequent filing compliance and any emerging contingent liabilities or off-balance-sheet risks.