Company Number: 14718803

Analysis Date: 2025-07-29 20:23 UTC

1. Credit Opinion: APPROVE
   Durham Consulting Limited is a newly incorporated micro-entity with a solid initial financial position. The company demonstrates a positive net asset base and working capital, indicating an ability to meet short-term obligations. There is no history of overdue filings or director disqualifications, and management appears stable. Given the small size and early stage of operations, credit approval is recommended with standard monitoring.

2. Financial Strength:
   The balance sheet shows fixed assets of £5,238 and current assets of £66,680 against current liabilities of £37,508, resulting in net current assets of £29,172. Total net assets stand at £34,410, representing shareholders’ funds. The company has a clean capital structure without long-term debt disclosed, reflecting conservative financial management. However, as a micro entity with a short trading history, financial strength is modest but sufficient for its scale.

3. Cash Flow Assessment:
   Current assets exceed current liabilities by a comfortable margin, indicating adequate liquidity and working capital to support ongoing operations. The absence of overdue filings suggests timely fiscal management. Given the small workforce and consultancy nature of the business, cash flow volatility should be limited, but monitoring actual cash generation as new contracts develop will be essential.

4. Monitoring Points:

• Revenue and profit trends as the company matures beyond its first reporting period.
• Maintenance of positive working capital and cash flow coverage of liabilities.
• Continued compliance with filing deadlines to avoid regulatory risks.
• Any changes in ownership or director appointments that may affect credit risk profile.