EXPERIENCE CURATORS LIMITED

Executive Summary

The company has shown a notable recovery in its financial position over the past year, moving from negative equity to a modestly positive net asset base. While liquidity and working capital have improved, the company remains small with limited financial resilience. Credit exposure should be limited and subject to close monitoring of cash flows and timely financial reporting.

EXPERIENCE CURATORS LIMITED - Analysis Report

Company Number: 13024335

Analysis Date: 2025-07-20 17:47 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Experience Curators Limited shows improving financial health after a period of losses and negative net assets. The recent year-end reports positive net current assets and a positive net asset position, indicating recovery and better ability to meet short-term obligations. However, the company's micro size, limited equity base (£1,835), and very modest current assets (£8,849) suggest a fragile financial position. Credit exposure should be limited and monitored closely, with conditions on maintaining positive working capital and timely filing of accounts.

2. Financial Strength:
   The company’s balance sheet has improved significantly from a negative net asset position of -£13,133 in FY 2023 to a small positive net asset of £1,835 in FY 2024. Current liabilities have been reduced substantially from £12,500 to £6,164, improving liquidity ratios. The company carries minimal fixed assets and has a very small share capital of £100, indicating limited capital buffer. The equity turnaround is positive but remains thin, signaling low resilience to financial shocks.

3. Cash Flow Assessment:
   Net current assets improved from a deficit of -£12,283 to a surplus of £2,685, indicating enhanced short-term liquidity and working capital management. The company employs only 1 person, which keeps overheads low. However, current assets remain low at under £9k, with relatively high current liabilities for a micro entity, so cash flow remains tight. Careful cash flow forecasting and controls are recommended to avoid liquidity shortfalls.

4. Monitoring Points:

• Maintain positive net current assets and track working capital closely.
• Monitor timely filing of accounts and confirmation statements to avoid regulatory risks.
• Watch for any significant increases in liabilities or delays in receivables collection.
• Review director's ongoing financial stewardship and business performance given the company’s small scale and recent history of losses.
• Monitor industry risks related to event management and hospitality, which can be volatile sectors.