Company Number: 14031260

Analysis Date: 2025-07-20 12:05 UTC

1. Credit Opinion: APPROVE
   DMT Consultancy Services Ltd demonstrates a positive financial trajectory, with net assets increasing from £6,896 in 2023 to £17,291 in 2024. The company maintains a healthy net current asset position (£14,665), indicating it can meet short-term obligations. No overdue filings or signs of financial distress are evident. The director holds full control, suggesting clear decision-making authority and accountability. The company’s consistent growth and manageable liabilities support approval for credit facilities, subject to standard monitoring.

2. Financial Strength:
   The balance sheet shows strengthening financial health. Net assets have nearly tripled over the last year. Tangible fixed assets increased, reflecting investment in operational capacity. Shareholders' funds are solely equity-based (£17,291), with no long-term liabilities reported. The increase in creditors is mainly due to taxation and social security costs, which is typical for a growing business. Overall, the company’s capital structure is sound with no apparent overleveraging.

3. Cash Flow Assessment:
   Cash at bank improved from £6,683 to £15,170, indicating enhanced liquidity. Debtors have increased proportionally with turnover, but remain within manageable limits. Current liabilities rose to £17,384 but are comfortably covered by current assets of £32,049, giving a current ratio above 1.8x, which is satisfactory for short-term liquidity. The company shows good working capital management and sufficient cash flow to service creditor demands and potential debt repayments.

4. Monitoring Points:

• Watch the increase in taxation and social security creditor balances to ensure timely settlement and avoid penalties.
• Monitor debtor collection periods to maintain cash flow stability as receivables grow.
• Keep an eye on the director’s account activity since it fluctuated between years; ensure no undue related-party exposure.
• Review future trading performance and profitability to confirm continued growth and cash generation.
• Confirm ongoing compliance with filing deadlines to avoid regulatory risk.