EMBAJADA DE MIRANDA LTD

Executive Summary

Embajada de Miranda Ltd is financially stable with increasing net assets and strong working capital, supported by solid management and no overdue filings. The main risk to liquidity is the high debtor balance, making collection efficiency critical. Overall, the company shows capability to meet credit obligations and warrants loan approval with routine monitoring of receivables and cash flow.

EMBAJADA DE MIRANDA LTD - Analysis Report

Company Number: 13989765

Analysis Date: 2025-07-20 12:22 UTC

1. Credit Opinion: APPROVE
   Embajada de Miranda Ltd demonstrates solid financial health with growing net assets and strong working capital. The company has no signs of overdue filings or financial distress, indicating sound management and operational stability. The principal activity in specialist and general medical practice is typically cash flow resilient. Given these factors, the company is well positioned to meet its debt obligations.

2. Financial Strength:
   The balance sheet shows a positive trajectory with net assets increasing from £102,999 in 2022 to £142,501 in 2024. The company holds no long-term liabilities reported, and shareholders’ funds equal net assets, reflecting no external debt burden. Current liabilities have decreased significantly from £24,137 in 2022 and 2023 to £9,266 in 2024, improving solvency. The company’s asset base is primarily current assets, heavily weighted in debtors (£151,547), which suggests revenue is largely on credit terms.

3. Cash Flow Assessment:
   Liquidity appears adequate with net current assets of £142,501, indicating comfortable short-term financial flexibility. However, cash at bank is very low (£220 in 2024), which is common in service businesses relying on receivables. The reliance on debtors means effective credit control and timely collection are critical to maintain liquidity and service debt. No overdrafts or loans are reported, so the company’s working capital is internally funded.

4. Monitoring Points:

• Monitor debtor aging and collection performance to ensure receivables convert to cash promptly.
• Keep an eye on cash balances relative to short-term liabilities to avoid liquidity strain.
• Watch for any increase in current liabilities which may signal cash flow pressure.
• Track revenue growth and profitability trends as accounts do not disclose detailed profit and loss data.
• Verify ongoing compliance with filing deadlines and regulatory requirements.