Company Number: 13609880

Analysis Date: 2025-07-20 17:59 UTC

1. Credit Opinion: APPROVE with conditions
   Futurview Ltd demonstrates a significant turnaround in financial health from prior years, moving from negative shareholders' funds (£-22,243 in 2023) to a positive equity position of £106,776 as of June 2024. This suggests improved financial stewardship and the ability to manage liabilities effectively. The company has no overdue filings and remains active, which indicates good compliance and operational management. However, as a micro-entity with limited historical data and a small employee base (2 employees), the recommendation is to approve credit facilities subject to ongoing monitoring of cash flow and working capital to ensure sustainability.

2. Financial Strength:
   The balance sheet shows a strong improvement in net current assets, from a deficit of £35,294 in 2023 to a surplus of £78,905 in 2024. Fixed assets increased modestly to £27,871, indicating some investment in long-term assets. The current liabilities have decreased from £56,738 to £44,282, reflecting better liability management. Shareholders’ funds turning positive and growing is a key indicator of financial strength improvement. The company’s micro-entity status means financials are simplified, but the trend is positive.

3. Cash Flow Assessment:
   Current assets of £123,187 against current liabilities of £44,282 provide strong liquidity and a comfortable working capital position. The company appears capable of meeting short-term obligations without stress. Although detailed cash flow statements are not provided, the net current asset surplus and reduction in liabilities support a healthy cash flow position. The small size and limited number of employees suggest manageable overheads, which should aid in maintaining liquidity.

4. Monitoring Points:

• Continue to monitor quarterly or biannual updates on cash flow and working capital to confirm ongoing liquidity.
• Watch for any significant changes in current liabilities, especially any increases that might stress short-term liquidity.
• Verify the company’s ability to sustain or improve profitability since profit and loss accounts are not included in the current filing.
• Monitor for any changes in business activity or sector risks related to market research and consultancy services, particularly given economic sensitivity.
• Ensure continued compliance with filing deadlines and regulatory requirements.