GOLD LEAF CONSULTING LTD

Executive Summary

Gold Leaf Consulting Ltd is a newly incorporated micro-entity with an extremely limited financial footprint and negligible net assets. The company’s current financial position and lack of trading history indicate a high credit risk and insufficient capacity to meet debt obligations. Credit facilities are not recommended without substantial mitigating factors such as personal guarantees or collateral.

GOLD LEAF CONSULTING LTD - Analysis Report

Company Number: 15092876

Analysis Date: 2025-07-29 15:17 UTC

1. Credit Opinion: DECLINE

Gold Leaf Consulting Ltd is a micro-entity incorporated in August 2023, with its first and only filing period ending August 31, 2024. The company shows minimal net assets (£158) and virtually balanced current assets and liabilities (£24,422 vs. £24,264), indicating very limited working capital. The company is newly established, with no trading history or profit and loss data available, and only one employee (the director). There is no evidence of substantive operational scale, financial strength, or cash flow generation to support debt servicing. Given the minimal financial footprint and lack of historic performance, the credit risk is high, and approval for credit facilities should be declined or subjected to very restrictive conditions including personal guarantees and stringent monitoring.

2. Financial Strength:

The balance sheet is extremely thin, with net assets of just £158. Current assets consist solely of £24,422 in unspecified short-term assets offset by almost equal current liabilities (£24,264), resulting in negligible net working capital. No fixed assets or long-term investments are reported. Shareholders’ funds equal net assets, reflecting no accumulated reserves or retained earnings. The company operates at a micro scale, with no financial cushioning to absorb adverse events. The financial position is fragile and lacks depth.

3. Cash Flow Assessment:

With current assets barely exceeding current liabilities, liquidity is minimal. There is no indication of cash reserves or positive operating cash flows. The absence of profit and loss data suggests no or negligible revenue generation to date. The company’s ability to generate sufficient cash to meet short-term obligations or service debt is unproven and highly uncertain. Working capital is effectively flat, which could lead to cash flow strain if unexpected expenses or delays in receivables occur.

4. Monitoring Points:

• Future trading performance and profitability once more financial data becomes available.
• Timeliness and completeness of future annual accounts and confirmation statements.
• Changes in working capital and net asset position indicating capital injections or improved operations.
• Director’s financial standing and any personal guarantees provided.
• Any changes in ownership or management that impact control or risk profile.