CYBERELLA CONSULTING LTD

Executive Summary

Cyberella Consulting Ltd is a financially stable micro-entity with consistent asset growth and strong liquidity. The company’s balance sheet and cash flow position support credit approval, with no immediate concerns on management quality or business resilience. Ongoing monitoring should focus on working capital trends and compliance to maintain creditworthiness.

CYBERELLA CONSULTING LTD - Analysis Report

Company Number: 13548799

Analysis Date: 2025-07-20 16:39 UTC

1. Credit Opinion: APPROVE
   Cyberella Consulting Ltd demonstrates a solid micro-entity financial profile with positive net assets and working capital. The company has maintained consistent growth in current assets and net assets over the last three years, indicating stable financial stewardship by management. There are no overdue filings or adverse status indicators such as liquidation or administration. Given the small scale and low complexity of the business, the risk of default appears low, making it suitable for credit approval at standard terms.

2. Financial Strength:
   The company’s balance sheet shows net assets of £69,887 as of 31 August 2024, up from £35,083 at incorporation in 2021, reflecting steady capital accumulation. Fixed assets are minimal (£1,455), typical for a consultancy, with the bulk of assets held in current assets (£106,360). Current liabilities (£37,928) are well covered by current assets, yielding a strong net current asset position of £68,432. Shareholders’ funds fully correspond to net assets, indicating no hidden liabilities. Overall, financial strength is robust for a micro-entity.

3. Cash Flow Assessment:
   Current assets include cash and receivables sufficient to cover short-term liabilities by a factor of approximately 2.8x (current assets/current liabilities), indicating good liquidity and working capital management. The positive and increasing net current assets year-on-year suggest the business generates adequate cash flow to meet obligations. With only one employee (the director), fixed overhead costs are low, further supporting cash flow stability.

4. Monitoring Points:

• Continued maintenance of positive net current assets and net asset growth.
• Monitoring of receivables aging to ensure timely cash inflows, given the consultancy nature of the business.
• Watch for any significant increase in current liabilities or delays in filings that could indicate financial stress.
• Keep track of director’s conduct and any changes in ownership or control, though currently the sole director and 100% shareholder is financially stable and compliant.