ESTATE CONSULTING LTD

Executive Summary

Estate Consulting Ltd has shown strong financial improvement in its first two years, with significant growth in net assets and positive working capital. Its micro-entity scale and clean compliance record support an approval for modest credit facilities. Ongoing monitoring should focus on liquidity and equity trends to maintain creditworthiness as the business develops.

ESTATE CONSULTING LTD - Analysis Report

Company Number: 14156884

Analysis Date: 2025-07-29 17:39 UTC

1. Credit Opinion: APPROVE
   Estate Consulting Ltd presents a sound credit profile for its size and age. The company has demonstrated a robust increase in net assets and net current assets over the last year, indicating improving financial stability. The absence of overdue filings and a clean status confirm good management compliance. Given its micro-entity size and limited operational scale, the company appears capable of servicing modest credit facilities.

2. Financial Strength:
   The balance sheet shows net assets growth from £129 in 2023 to £6,702 in 2024, reflecting a significant strengthening of equity within one year. The net current assets position improved substantially to £6,828 from £339, indicating better short-term financial health. With current assets (£15,512) comfortably exceeding current liabilities (£8,684), the company maintains positive working capital. No long-term borrowings are evident, reducing leverage risk.

3. Cash Flow Assessment:
   While detailed cash flow statements are not provided, the strong net current assets and positive working capital suggest sufficient liquidity to meet short-term obligations. The increase in current assets likely includes cash or equivalents, supporting ongoing operations. The small scale of the company (one employee) limits cash flow complexity, reducing operational cash burn risks.

4. Monitoring Points:

• Continued monitoring of cash flow generation and working capital to ensure liquidity remains adequate as the company grows.
• Watch for any increase in liabilities or leverage that could stress the capital base.
• Assess performance trends in future accounts to confirm sustained profit retention and equity growth.
• Given micro-entity status, ensure timely filing compliance continues to avoid penalties or credit risk signals.