CTF CONSULTING LTD

Executive Summary

CTF CONSULTING LTD is a micro-sized financial management consultancy with a sound balance sheet and positive working capital, reflecting good short-term liquidity and financial stewardship. Its steady growth in net assets and clean compliance record support a low credit risk profile suitable for approval of credit facilities. Ongoing monitoring of liquidity and operational cash flow will be essential as the company expands beyond its current scale.

CTF CONSULTING LTD - Analysis Report

Company Number: 14464169

Analysis Date: 2025-07-20 13:42 UTC

1. Credit Opinion: APPROVE

CTF CONSULTING LTD is a newly incorporated micro-entity with an active status and no overdue filings, indicating good compliance discipline. The director has full control and has demonstrated modest growth in net assets over two years, suggesting prudent management. The company’s balance sheet shows positive net assets and net current assets, reflecting adequate short-term liquidity. There is no indication of distress or significant liabilities that would impair its ability to service credit. Given its financial stability and small scale, the company presents a low credit risk suitable for standard credit facilities.

2. Financial Strength:

The company’s net assets increased from £7,299 in 2023 to £14,142 in 2024, almost doubling within one year. Fixed assets are minimal (£551 in 2024) which aligns with its consultancy business model, implying low capital expenditure and asset risk. Current assets of £14,464 exceed current liabilities of £11,365, producing a strong positive working capital of £13,599 after accounting for prepayments. Long-term liabilities are negligible (£8), further affirming a solid equity base. The micro-entity status limits disclosure but available data shows a healthy, conservative financial position.

3. Cash Flow Assessment:

Current assets consist mainly of receivables and prepayments (£10,500), supported by a manageable level of creditors. The net current assets position indicates sufficient liquidity to meet short-term obligations. The absence of significant debt or overdrafts suggests a low reliance on external financing. Cash flow is likely stable but modest given the small scale and single employee (the director). The company’s ability to generate operating cash flow appears adequate for meeting ongoing commitments and any reasonable credit facility.

4. Monitoring Points:

• Continued compliance with filing deadlines to avoid penalties or regulatory issues.
• Monitoring growth in current liabilities relative to current assets to ensure working capital remains positive.
• Tracking profitability and cash flow generation as the business grows beyond micro-entity thresholds.
• Observing any changes in ownership or director status that may affect governance and control.
• Assessing impact of any external economic factors on the financial management consulting sector.