GRADUATE TALENT MATCH LTD

Executive Summary

Graduate Talent Match Ltd presents a financially stable profile with positive working capital and liquidity ratios, supported by cash and low liabilities. While the company is very small and recently established, the absence of debt and maintenance of net assets is encouraging. Credit approval is recommended with conditions emphasizing ongoing financial performance monitoring and risk management related to debtor collections and sector exposure.

GRADUATE TALENT MATCH LTD - Analysis Report

Company Number: 14633963

Analysis Date: 2025-07-29 17:43 UTC

1. Credit Opinion: APPROVE with Conditions
   Graduate Talent Match Ltd shows a stable financial position with positive net current assets and net assets, indicating sound working capital management. However, as a very small business incorporated recently (2023), with a single director and limited operating history, credit approval should be conditional on continued financial monitoring and evidence of consistent revenue generation and cash flow sustainability. The company’s sector (employment placement agency) can be sensitive to economic cycles, so attention to market conditions is advised.

2. Financial Strength:
   The company’s balance sheet as of 28 February 2025 shows net current assets of £36,900 and net assets of £36,900, maintained at a similar level as the prior year. The company holds a modest amount of cash (£27,215) and debtors (£17,962) with low current liabilities (£8,277). The share capital is nominal (£1), and equity is primarily retained earnings. The balance sheet is clean with no long-term debt, which supports financial stability but reflects a small capital base. The slight reduction in debtors and current assets compared to the previous year warrants monitoring.

3. Cash Flow Assessment:
   Cash balances have increased slightly year-on-year, indicating reasonable liquidity. The company’s current liabilities are well covered by current assets, resulting in a working capital ratio above 5. This strong liquidity position suggests the company can meet short-term obligations comfortably. However, the relatively high debtor balance compared to cash suggests some dependency on timely collections of receivables. No overdrafts or external borrowings are noted, reducing financial risk.

4. Monitoring Points:

• Track debtor aging and cash conversion cycles to avoid liquidity strain.
• Monitor profitability trends and turnover growth to ensure the company can sustain operations and build equity.
• Watch for any changes in director or ownership structure given single director control.
• Evaluate impact of economic conditions on the employment placement sector for potential volatility.
• Confirm timely filing of accounts and confirmation statements to maintain compliance.