DR RUPAL LTD

Executive Summary

Dr Rupal Ltd is a well-capitalized micro-entity in its first year of operation with a strong liquidity position and positive net assets. The company’s financial foundation supports credit approval for modest facilities, conditional on ongoing performance monitoring. Continued vigilance on cash flow and compliance will be essential as the business develops.

DR RUPAL LTD - Analysis Report

Company Number: 14739764

Analysis Date: 2025-07-29 12:59 UTC

1. Credit Opinion: APPROVE
   Dr Rupal Ltd is a newly incorporated micro-entity operating in the dental practice sector. The company demonstrates a solid balance sheet with positive net current assets and net equity reflecting initial capital funding. There is no evidence of overdue filings or financial distress. Given the company’s early stage and micro size, credit exposure should be modest and facilities structured conservatively. The sole director and 100% shareholder appears to provide clear governance with no adverse director history. Overall, the company shows potential to meet short-term obligations, but credit approval should be contingent on continued financial performance and cash flow monitoring.

2. Financial Strength:
   The balance sheet as of 31 March 2024 shows fixed assets of £937 and current assets of £75,569 against current liabilities of £25,326, yielding net current assets of £50,243. This results in total net assets of £50,160, fully represented by shareholders’ funds. The company’s modest asset base and positive equity indicate a sound financial foundation for a micro-entity in its first year. The absence of long-term liabilities reduces financial risk, but growth capital or working capital needs should be carefully evaluated as trading expands.

3. Cash Flow Assessment:
   The company holds a healthy liquidity position with current assets exceeding current liabilities by a significant margin, indicating sufficient working capital to meet short-term obligations. Given the micro-entity status and one employee (the director), operational cash requirements are likely low at this stage. However, cash flow statements are not provided, so ongoing monitoring of receivables, payables, and cash conversion cycles is recommended to confirm sustainable liquidity as the business grows.

4. Monitoring Points:

• Timely filing of next annual accounts and confirmation statement to maintain compliance.
• Monitoring net current asset trends and liquidity ratios to ensure continued debt servicing capability.
• Assessing revenue growth and profitability as the business matures beyond the start-up phase.
• Watch for any changes in director appointments or ownership structure that may affect control or governance.
• Review of any credit facilities or borrowing and their impact on leverage and cash flow.