Company Number: 15136465

Analysis Date: 2025-07-29 19:14 UTC

1. Credit Opinion: APPROVE

Gary Hodder Consultancy Ltd is a newly incorporated micro-entity operating in management consultancy. Despite its short trading history (just over one year), the company demonstrates a solid initial financial position with positive net assets and working capital. The director has injected funds and repaid a director loan, indicating sound financial stewardship and commitment. No adverse filing or director conduct issues are apparent. The company’s micro size and single director ownership simplify risk assessment. While cash flow data beyond balance sheet figures is limited, current liquidity appears adequate to meet short-term obligations. Approval is recommended for modest credit facilities, subject to routine monitoring.

2. Financial Strength:

• Fixed Assets are minimal (£4,057), typical for a consultancy with likely low capital investment.
• Current Assets (£93,612) significantly exceed Current Liabilities (£33,904), yielding a strong net current asset position of £59,708.
• Net Assets of £62,365 indicate positive equity and no reliance on external debt.
• The company has no long-term liabilities or significant accruals beyond £1,400 deferred income.
• Shareholders’ funds fully back the company’s asset base, reflecting owner funding.
• Overall, the balance sheet is healthy and not leveraged, suited to the company’s micro size and early stage.

3. Cash Flow Assessment:

• Current assets likely include cash and receivables sufficient to cover current liabilities more than twice over, indicating good liquidity.
• The company repaid £40 of director loans during the period, suggesting available cash flow.
• No interest-bearing debt or external borrowings reduce cash flow pressure.
• The director loan is unsecured, interest-free, and repayable on demand, providing financial flexibility.
• Absence of detailed profit and loss data limits full cash flow forecasting, but current working capital levels support operational liquidity.

4. Monitoring Points:

• Track turnover and profit margins as the company grows beyond micro thresholds.
• Monitor changes in current liabilities and receivables to ensure working capital remains positive.
• Review director conduct and governance as the business expands.
• Watch for timely filing of accounts and confirmation statements to avoid regulatory risks.
• Assess cash flow statements when available to confirm sustainable liquidity.