Company Number: 14773733

Analysis Date: 2025-07-29 16:04 UTC

1. Credit Opinion: APPROVE
   Deerman Consulting Limited is a newly incorporated micro-entity operating in the IT consultancy sector. The company exhibits a positive net asset position with net current assets of £24,747 and no overdue filings, indicating sound compliance and financial stewardship. Although the business is in its infancy with no employees and limited financial history, the directors appear responsible, and the company's small scale limits financial risk. Based on current data, the company should be capable of servicing modest credit facilities.

2. Financial Strength:
   The balance sheet as of 31 March 2024 shows total current assets of £49,729 against current liabilities of £24,982, resulting in net current assets of £24,747. There are no long-term liabilities reported. The company’s shareholders’ funds equal net assets at £24,747, reflecting a stable equity base. The absence of employees and fixed assets aligns with the consulting business model, suggesting low capital intensity but also limited asset backing.

3. Cash Flow Assessment:
   Current assets primarily comprise cash or near-cash equivalents sufficient to cover current liabilities by nearly 2:1, indicating healthy liquidity. The positive working capital position supports operational cash flow requirements and short-term debt servicing ability. However, given the company’s recent formation and absence of historical profit and loss data, ongoing cash flow monitoring is necessary to confirm sustainable operations.

4. Monitoring Points:

• Track revenue and profit generation in forthcoming accounts to assess business growth and capacity to take on additional credit.
• Monitor working capital trends and any increase in liabilities that could pressure liquidity.
• Review director conduct and any changes in ownership or control that may affect governance.
• Confirm timely filing of annual accounts and confirmation statements to mitigate compliance risk.