GBB CONSULTING SERVICES UK LIMITED

Executive Summary

GBB CONSULTING SERVICES UK LIMITED is a newly formed micro-entity with a negative net asset position and insufficient current assets to cover liabilities, indicating weak financial health and cash flow constraints. The company’s ability to service debt currently appears limited, and credit approval is not recommended without substantial improvement in financial metrics or external support. Ongoing monitoring of liquidity improvements and operational progress is critical if credit facilities are reconsidered in the future.

GBB CONSULTING SERVICES UK LIMITED - Analysis Report

Company Number: 14653947

Analysis Date: 2025-07-29 16:27 UTC

1. Credit Opinion: DECLINE
   GBB CONSULTING SERVICES UK LIMITED is a newly incorporated micro-entity (Feb 2023) with minimal trading history. The latest filed accounts to 28 Feb 2024 show a net current liabilities position of £260 against current assets of only £100 and current liabilities of £360. The company has negative net assets and shareholders funds of -£260, indicating an insolvent balance sheet. No employees and limited operating history further constrain revenue generation capacity. The director is the sole significant controller and shareholder, but there is no evidence of external funding or profitability. The inability to cover short-term liabilities from current assets raises significant doubts about its ability to service debt or meet commercial commitments. This financially weak position combined with minimal operational scale leads to a credit decline recommendation at this stage.

2. Financial Strength:
   The balance sheet shows negative net current assets of -£260, implying working capital deficiency. Total net assets are also negative at -£260. This indicates the company is currently insolvent on a balance sheet basis. The micro-entity status and lack of fixed assets suggest no tangible security or collateral for lending. The company’s financial position is fragile, with no retained earnings or reserves. The negative equity reflects losses or accumulated deficits since incorporation. Overall, the financial strength is poor and not supportive of additional credit.

3. Cash Flow Assessment:
   Current assets consist of £100 in cash or equivalents, insufficient to cover £360 of current liabilities due within one year. No evidence of positive cash inflows or operating cash flows is presented. The absence of employees and operating history implies limited or no revenue generation to improve liquidity. Working capital is negative and there is no buffer for unforeseen expenses. Cash flow risk is high, and the company may struggle to meet short-term obligations without additional capital injection.

4. Monitoring Points:

• Future trading performance and revenue generation as the company matures
• Improvement in working capital and net asset position in subsequent accounts
• Timely filing of accounts and confirmation statements to monitor compliance
• Any capital injections or new borrowings that may stabilize liquidity
• Director’s ability to provide financial support or attract external funding