GTB (GOSFORTH) LIMITED

Executive Summary

GTB (GOSFORTH) LIMITED demonstrates a solid micro-entity financial position with increasing net assets and strong working capital, supported by a single controlling director. The company’s liquidity and balance sheet strength support low-risk credit exposure and capacity to service modest credit facilities. Ongoing monitoring of cash flow and compliance filings is advisable to maintain creditworthiness.

GTB (GOSFORTH) LIMITED - Analysis Report

Company Number: 14024335

Analysis Date: 2025-07-29 14:56 UTC

1. Credit Opinion: APPROVE with low risk
   GTB (GOSFORTH) LIMITED is a micro-entity incorporated in 2022, operating in the building completion and finishing sector. The company shows a positive equity base with net assets increasing from £3,603 in 2023 to £7,945 in 2024, indicating growth. Its small scale and limited liabilities suggest low credit risk. The sole director and 100% owner, Mr. Mark Robert Newton, appears to maintain tight control and oversight. No adverse status or overdue filings exist. The company’s ability to meet short-term obligations is supported by positive net current assets. Based on the available data, the company should be able to service modest credit facilities.

2. Financial Strength:
   The balance sheet is healthy for a micro-entity. Fixed assets increased slightly from £2,995 to £4,000, while current assets expanded significantly from £608 to £3,945. Net current assets mirror this improvement, showing a strong working capital position. Net assets more than doubled to £7,945, fully supported by shareholders' funds, indicating no external debt burden. The company’s capital base, though small, is solid for its size and industry.

3. Cash Flow Assessment:
   The significant rise in current assets, likely cash or receivables, suggests improved liquidity. Net current assets of £3,945 provide a comfortable buffer over current liabilities, supporting day-to-day operations and short-term debt service. The average employee count increased from 1 to 2, reflecting modest operational expansion without apparent strain on resources. Overall, the company shows adequate liquidity and working capital management.

4. Monitoring Points:

• Monitor ongoing liquidity to ensure current asset growth is sustainable and not resulting from slow-paying receivables.
• Track profitability and cash flow from operations as future accounts become available to confirm positive financial trajectory.
• Watch for any changes in director or ownership structure that might affect governance or financial stewardship.
• Review any forthcoming filings for consistency and timeliness to avoid compliance-related risks.
• Given the company’s small size, monitor sector-specific risks, especially construction industry cyclicality and supply chain factors.