GREENTALK CONSULTING LTD

Executive Summary

GREENTALK CONSULTING LTD is a newly incorporated micro company with minimal financial resources and a very thin equity base. While compliance is currently satisfactory, the company’s financial profile limits its capacity to support significant credit exposure. Conditional credit approval with prudent limits and careful monitoring is recommended to mitigate risk.

GREENTALK CONSULTING LTD - Analysis Report

Company Number: 14673739

Analysis Date: 2025-07-29 18:18 UTC

1. Credit Opinion: CONDITIONAL APPROVAL. GREENTALK CONSULTING LTD is an active private limited company incorporated recently (Feb 2023) and currently operating in business support and IT consultancy services. The micro-entity accounts show very minimal financial activity with net current assets of just £1 and no fixed assets, indicating the company is at a very early stage with limited financial resources. There is no evidence of profitability or cash reserves to support debt servicing beyond current liabilities. However, there are no overdue filings or compliance issues. Credit approval could be considered with strict limits, short terms, and possibly requiring personal guarantees, given the immature financial profile and lack of historical performance.

2. Financial Strength: The balance sheet as of 28 February 2024 shows total assets of £10,508, all current assets, against current liabilities of £10,507, resulting in net current assets of £1 and net assets of £1. There are no fixed assets or shareholder equity beyond the nominal £1 share capital. This very thin capital base and lack of asset backing indicate low financial strength and limited buffer against operational risks or downturns. The company's micro-entity status reflects small scale and minimal financial complexity.

3. Cash Flow Assessment: Current assets consist likely of cash or receivables totaling £10,508, with almost equal current liabilities of £10,507, suggesting very tight liquidity and negligible working capital cushion. The company’s cash flow position is fragile, with limited ability to absorb unexpected expenses or delays in receivables. Since it operates with one employee (likely the director), overheads are presumably low, but the absence of cash reserves or credit facilities highlights potential risk in meeting short-term obligations without external support.

4. Monitoring Points:

• Revenue growth and profitability trends as the company matures.
• Improvements in net current assets and liquidity position.
• Timely filing of subsequent accounts and confirmation statements.
• Any increase in fixed assets or shareholder funds indicating capital injection.
• Director’s conduct and any changes in ownership or control.
• Credit utilization and repayment behavior if credit facilities are extended.