Company Number: 14627818

Analysis Date: 2025-07-29 15:15 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Every Cloud Marketing Limited is a newly established micro-entity operating in the advertising agency sector. The company demonstrates positive net asset growth and modest balance sheet improvement over two years. However, the presence of net current liabilities indicates a slight working capital deficiency which could constrain short-term liquidity. Given its early stage and small scale, credit facilities should be extended cautiously, with conditions on monitoring liquidity and timely filing of future accounts and returns.

2. Financial Strength:
   The company’s net assets have increased from £706 in 2023 and 2024 to £1,456 in 2025, showing a doubling of equity value within two years. Fixed assets increased modestly from £1,526 to £2,070, indicating some investment in long-term resources. The total assets less current liabilities improved from £1,186 to £1,936. The balance sheet reflects a small but positive equity buffer for a micro business, with shareholders’ funds fully supporting net assets.

3. Cash Flow Assessment:
   Current assets (£7,759) are slightly less than current liabilities (£7,893) in 2025, resulting in net current liabilities of £134, an improvement from a £340 deficit in prior years. This indicates a marginal shortfall in working capital, which may pose liquidity risk if not managed carefully. The company’s ability to meet short-term obligations depends on cash flow timing and receivables collection efficiency. No audit was required, so cash flow details are limited, suggesting a need for further scrutiny if credit limits increase.

4. Monitoring Points:

• Track net current assets to ensure the working capital position improves or remains stable.
• Monitor timely filing of accounts and returns to maintain compliance and transparency.
• Watch for changes in credit terms with suppliers and receivables turnover to assess cash flow risk.
• Observe any changes in ownership or director appointments that might affect governance.
• Review financial results annually to confirm continued growth in net assets and profitability.