ENVISION LANDSCAPE CONSULTANTS LTD

Executive Summary

Envision Landscape Consultants Ltd is a newly incorporated micro private limited company with a solid initial balance sheet and adequate working capital. While currently in a start-up phase with no trading history, the company shows no immediate financial distress, supporting a cautious credit approval. Close monitoring of cash flow generation and business development is advised to ensure ongoing creditworthiness.

ENVISION LANDSCAPE CONSULTANTS LTD - Analysis Report

Company Number: 15054867

Analysis Date: 2025-07-20 12:53 UTC

1. Credit Opinion: APPROVE (with caution) Envision Landscape Consultants Ltd is a newly incorporated micro-entity with a clean status, no overdue filings, and a straightforward ownership structure under a single director and controlling shareholder. The balance sheet shows positive shareholders’ funds and net current assets, indicating initial capital adequacy and working capital sufficiency. However, as a startup with no employees and minimal trading history, the company’s ability to service debt depends heavily on the director’s ongoing financial support and successful business development. Credit approval is recommended with prudent limits and a short-term review cycle.

2. Financial Strength: The company reported fixed assets of -£300, likely a minor accounting adjustment or prepaid expense, and current assets of £20,424 mainly in cash or equivalents. Current liabilities stand at £3,653, resulting in net current assets (working capital) of approximately £16,771. Shareholders’ funds total £16,471, showing positive equity and no apparent debt burden. The micro-entity status reduces complexity but limits detailed financial insight. Overall, the balance sheet is healthy for a first-year operation, with a strong liquidity buffer relative to short-term obligations.

3. Cash Flow Assessment: With current assets substantially exceeding current liabilities, liquidity appears sufficient to meet short-term commitments. The absence of employees and likely low overheads reduce cash burn risk. However, no profit and loss data or cash flow statements are available, so ongoing cash generation is unproven. The company’s survival and debt service capability depend on achieving revenue promptly and managing working capital prudently. Monitoring cash flow forecasts and actual receipts will be critical in the near term.

4. Monitoring Points:

• Business development progress: securing contracts and generating revenue to build operating cash flow.
• Working capital trends: maintaining positive net current assets as operations scale.
• Director financial support: any injections or guarantees provided to fund growth.
• Timely filing of accounts and confirmation statements to ensure compliance and transparency.
• Changes in liabilities or asset composition that may affect liquidity or solvency.