EXCELSIOR SOLUTIONS CONSULTANCY LTD

Executive Summary

Excelsior Solutions Consultancy Ltd currently demonstrates negative net assets and working capital deficits, indicating financial distress and inability to meet short-term liabilities comfortably. Given these factors and the absence of significant scale or capital support, credit extension is not advisable at this stage. Close monitoring of liquidity improvements and business performance is essential for future reassessment.

EXCELSIOR SOLUTIONS CONSULTANCY LTD - Analysis Report

Company Number: 12770995

Analysis Date: 2025-07-20 18:38 UTC

1. Credit Opinion: DECLINE
   Excelsior Solutions Consultancy Ltd exhibits weak financial health with net liabilities of £3,518 as of July 2024 and negative working capital of £2,918. The company’s net assets have deteriorated from a positive £100 in previous years to a negative position, indicating losses or accumulated deficits. Its micro-entity status with minimal turnover and a single employee limits its scale and resilience. The negative equity position and ongoing cash shortfall raise concerns about its ability to meet short-term obligations and service any additional credit facilities. Without evidence of improved profitability or capital injection, extending credit poses a high risk.

2. Financial Strength:
   The balance sheet reveals current assets of £2,198 against current liabilities of £5,116, resulting in negative net current assets (working capital) of £2,918. The company has no fixed assets disclosed, and total net liabilities stand at £3,518. Shareholder funds are negative, suggesting accumulated losses or withdrawals exceeding capital contributions. The company’s financial trajectory shows a decline from stable but minimal net assets in previous years to a worsening position in 2024. This signals poor financial stewardship or challenging market conditions affecting business performance.

3. Cash Flow Assessment:
   Available cash appears minimal and insufficient to cover current liabilities. Negative working capital implies liquidity constraints, with obligations exceeding readily available short-term assets. The company’s micro scale and limited employee base may keep operating costs low, but current resources do not support additional borrowings or extended credit terms without significant risk. The absence of audit and detailed cash flow statements limits insight into operational cash generation, but the balance sheet alone signals a liquidity shortfall.

4. Monitoring Points:

• Quarterly review of cash balances and creditor aging to detect worsening liquidity
• Tracking any capital injections or shareholder loans that improve net asset position
• Monitoring changes in turnover or profitability that may restore positive equity
• Director’s plans for business turnaround or restructuring to mitigate losses
• Timely filing of accounts and confirmation statements to ensure transparency