Company Number: 13888912

Analysis Date: 2025-07-20 14:29 UTC

1. Credit Opinion: APPROVE
   DSKONSULT LIMITED demonstrates a solid financial position for a young company incorporated in 2022. The company shows positive net assets (£37,535 as of Feb 2024) and net current assets (£28,835) with no overdue filings, which supports creditworthiness. The risk is mitigated by the company’s clear ownership and control structure with directors actively involved. Though relatively small and early in its lifecycle, the financials suggest the company can meet short-term liabilities and has growing equity. Approval is recommended with standard monitoring.

2. Financial Strength:
   The balance sheet reflects a healthy financial position with net assets increasing from £26,277 (Feb 2023) to £37,535 (Feb 2024), indicating growth in retained earnings/profits. Fixed assets are modest (£8,700), appropriate for an IT consultancy, and mainly comprise computer equipment. Shareholders’ funds have increased, reflecting reinvested profits. Current liabilities have significantly decreased from £40,029 to £10,914, improving liquidity and reducing financial stress. The company operates within a micro/small classification, limiting exposure but also indicating modest scale.

3. Cash Flow Assessment:
   The company holds £39,749 in cash with net current assets of £28,835, providing a comfortable buffer to cover short-term obligations of £10,914. The substantial reduction in current liabilities from the prior year and strong cash position suggest good working capital management. With only one employee (the director) and no significant debt, cash flow risk is low. The company’s ability to generate cash from IT consultancy services appears stable, supporting debt servicing capacity.

4. Monitoring Points:

• Continued growth in net assets and maintenance of positive working capital
• Monitoring cash reserves versus current liabilities to avoid liquidity strain
• Tracking any increase in creditors or tax liabilities that could impact cash flow
• Observing revenue trends and profitability as the company matures beyond micro scale
• Governance and director performance given the founder-led structure