DIGITAL TURTLE CONSULTING LIMITED

Executive Summary

Digital Turtle Consulting Limited exhibits solid initial financial health with positive net assets and liquidity for its micro-entity size and early stage. The company has no adverse compliance or director issues, supporting a credit approval for modest facilities. Continued monitoring of cash flow and growth metrics is advised as the business develops beyond its start-up phase.

DIGITAL TURTLE CONSULTING LIMITED - Analysis Report

Company Number: 14554037

Analysis Date: 2025-07-20 12:32 UTC

1. Credit Opinion: APPROVE
   Digital Turtle Consulting Limited is a micro-entity incorporated recently in late 2022, with its first financial year ending 31 December 2023. The company demonstrates a positive net asset position of £25,158 and net current assets of £24,623, indicating a sound short-term liquidity position. There are no overdue filings or signs of financial distress. The sole director and 100% owner appears stable with no adverse records. Given the company's current financial health and compliance status, it is creditworthy for modest credit facilities, subject to ongoing monitoring as the business matures.

2. Financial Strength:
   The balance sheet is modest but healthy for a micro-entity. Fixed assets are minimal (£535), appropriate for an IT consultancy likely relying on intellectual capital and services rather than physical assets. Current assets (£80,579) exceed current liabilities (£55,964), providing a positive working capital buffer of £24,623. Total net assets match shareholder funds (£25,158), reflecting no external debt beyond current liabilities. Overall, the balance sheet indicates prudent financial management with no signs of gearing or overextension.

3. Cash Flow Assessment:
   Current assets largely consist of cash and debtors that cover short-term liabilities comfortably. The net current asset position suggests adequate liquidity to meet immediate operating expenses and potential credit repayments. However, as a start-up with only one year of trading, cash flow volatility risk remains. Cash flow forecasts should be reviewed periodically to ensure ongoing liquidity, especially as the company scales or takes on credit.

4. Monitoring Points:

• Revenue and profitability trends as the company grows beyond its micro status.
• Timely filing of future accounts and confirmation statements to maintain compliance.
• Cash flow stability, particularly debtor collection periods and creditor payment terms.
• Any changes in ownership or management that could impact governance or financial stewardship.
• External market conditions affecting IT consultancy demand and client payment behaviour.