Company Number: 14737506

Analysis Date: 2025-07-29 13:40 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Green Shield Consultancy Limited is a recently incorporated micro-entity operating in the private security sector. The company shows a modest but positive net asset position and working capital. However, as a single-director entity with minimal operating history and limited financial scale, credit exposure should be limited and closely monitored. Approval is recommended with conditions including limits on facility size and periodic financial reviews.

2. Financial Strength:
   The balance sheet at 31 March 2025 reports net assets of £4,617, up from £1 the previous year, reflecting initial capitalization and some asset acquisition (£8,208 fixed assets). Current assets of £9,808 exceed current liabilities of £5,311, yielding positive net current assets of £4,497, indicating an adequate short-term liquidity buffer. The company carries a long-term creditor balance of £8,088, which raises questions about financing terms and obligations to be clarified. Overall, the financial position is small but stable for a micro-company startup.

3. Cash Flow Assessment:
   Current assets primarily consist of cash or equivalents given the micro-entity scale, but the exact composition is not detailed. Positive net current assets suggest the company can meet short-term liabilities, yet the working capital is small in absolute terms. The presence of long-term creditors indicates external financing, which may pressure cash flow if repayment schedules are aggressive. Given the limited operating history and one employee (director), cash flow visibility is low, so ongoing cash monitoring is essential.

4. Monitoring Points:

• Review interim management accounts and cash flow forecasts regularly to track liquidity
• Clarify the nature and repayment terms of long-term creditors to assess debt servicing risk
• Monitor customer contracts and revenue development as indicators of business growth and sustainability
• Watch for any changes in director status or company filings to ensure compliance and governance integrity
• Evaluate expansion plans and capital requirements carefully before increasing credit exposure