Company Number: 12438485

Analysis Date: 2025-07-20 12:04 UTC

1. Credit Opinion: APPROVE
   Dean Leak Performance Coaching Ltd demonstrates strong liquidity and positive net assets, with a significant improvement in net current assets and shareholders’ funds over the past year. The company has no overdue filings, is active, and shows no signs of financial distress. The director’s sole ownership and control indicate clear accountability and stable management. The micro-entity size and limited employee base suggest low operational complexity and risk, suitable for small credit facilities.

2. Financial Strength:
   The company’s net assets increased substantially from £4,335 in 2023 to £44,559 in 2024, driven primarily by a large increase in current assets (from £16,091 to £87,963). Fixed assets remain minimal, consistent with a service-based coaching business. Current liabilities have increased but remain well covered by current assets, resulting in strong net current assets of £44,314. Overall, the balance sheet is healthy with a solid equity base and no indication of leverage or solvency issues.

3. Cash Flow Assessment:
   Current assets mainly consist of cash or receivables, providing ample working capital to meet short-term obligations of £43,649. The significant rise in current assets suggests improved cash generation or funding, enhancing liquidity. With net current assets positive and increasing, the company is well-positioned to service debt and operational expenses without strain.

4. Monitoring Points:

• Monitor the sustainability of the large increase in current assets to ensure it is not a temporary cash inflow or uncollected receivables.
• Track profitability and cash flow trends as profit and loss details are not publicly available; this will clarify ongoing debt servicing capacity.
• Watch for any changes in director control or company status that could impact governance or financial stability.
• Keep an eye on the level of current liabilities as the company grows to avoid liquidity mismatches.