GRADIENT HEALTH ANALYTICS LTD

Executive Summary

Gradient Health Analytics Ltd is a very early-stage micro entity with minimal revenue and persistent losses, resulting in zero net assets and no working capital. The company lacks the financial strength and cash flow capacity to support credit at this time. Continued monitoring of revenue growth, liquidity improvement, and management’s ability to stabilize finances is essential before reconsidering credit facilities.

GRADIENT HEALTH ANALYTICS LTD - Analysis Report

Company Number: 13104605

Analysis Date: 2025-07-20 12:32 UTC

1. Credit Opinion: DECLINE
   Gradient Health Analytics Ltd is currently a micro entity with minimal financial activity and a consistent pattern of losses over the last three years. The company reported turnover of only £985 in 2023 with a net loss of £2,546, and it holds no current assets or working capital as of the latest accounts. There is insufficient evidence of revenue generation or profit to support debt servicing capacity. The company’s net assets and shareholders’ funds have effectively eroded to zero, indicating weak financial resilience. Given this lack of financial strength and operating cash flow, extending credit would carry a high risk.

2. Financial Strength:
   The balance sheet shows zero fixed and current assets and no net current assets or net assets at the end of 2023. Shareholders’ funds stand at zero, down from £3,274 in 2022, reflecting accumulated losses absorbed capital. There are no creditors or liabilities reported, but also no tangible financial buffer or capital base to absorb shocks or fund growth. The company’s micro status limits reporting detail but the available data indicates very weak financial position and negligible asset backing.

3. Cash Flow Assessment:
   Cash flow appears critically constrained with no current assets (cash or equivalents) reported at year-end 2023. Without current assets or working capital, the company cannot meet short-term obligations or fund operations without external injections. The absence of staff costs suggests minimal operating activity and possibly reliance on founder support or non-monetary resources. Liquidity risk is high, and no cash flow generation from operations is evident.

4. Monitoring Points:

• Turnover growth and diversification of revenue streams to improve operating cash flow.
• Positive net current assets and liquidity improvements to support short-term obligations.
• Reduction or control of operating losses to rebuild shareholder equity.
• Any external funding or capital injections that improve the financial position.
• Director and management actions towards commercial viability and financial sustainability.