Company Number: 13737918

Analysis Date: 2025-07-29 12:50 UTC

1. Credit Opinion: APPROVE
   CRYSTALLINE CLINIC LIMITED demonstrates a solid financial position for a micro-entity with growing net assets and positive working capital. The company shows consistent financial stewardship with increased fixed assets and net equity from £120k to £166k year-on-year. Given the absence of overdue filings, stable management, and no adverse director conduct records, the company appears capable of servicing modest credit facilities. Approval is recommended for lending within reasonable limits relative to its size and turnover.

2. Financial Strength:
   The balance sheet reflects strengthening financial health. Fixed assets grew significantly from £83,555 to £120,020, indicating investment in long-term resources. Current assets decreased but remain adequate at £102,369 against current liabilities of £56,445, maintaining net current assets of £45,924. Shareholders’ funds increased from £120,403 to £165,944, illustrating retained earnings or capital injections. Overall, the company is well-capitalized for its micro category.

3. Cash Flow Assessment:
   Current assets primarily comprise cash, debtors, and stock sufficient to cover current liabilities with a comfortable net working capital position. The increase in net current assets suggests improved liquidity management despite a reduction in current assets from the prior year. The stable employee count (2) implies controlled operating expenses. The company should maintain adequate cash flow to meet short-term obligations and modest credit repayment schedules.

4. Monitoring Points:

• Watch for changes in current liabilities and any sharp declines in current assets that might strain liquidity.
• Monitor turnover growth and profitability trends to confirm sustained earnings generation supporting net asset growth.
• Track any significant changes in ownership or management that might impact governance or financial strategy.
• Review subsequent filing compliance and any external economic factors affecting the hairdressing and beauty treatment sector.