Company Number: 14668651

Analysis Date: 2025-07-20 12:16 UTC

1. Credit Opinion: APPROVE
   HANDSTANDMAN LIMITED demonstrates improving financial health with a strong increase in net assets and working capital in the most recent financial year. The company is small (micro category) and has only one director who owns 100% of shares, indicating clear control and responsibility. The absence of overdue filings and no signs of distress or insolvency proceedings supports credit approval. However, being a very young company (incorporated 2023) and micro-sized, lending should be moderate and closely monitored.

2. Financial Strength:

• Net Assets increased significantly from £468 in 2024 to £30,856 in 2025, reflecting strong equity growth.
• Fixed assets remain low (£4,966), typical for a service-based business in physical well-being activities.
• The balance sheet shows a solid net current asset position of £25,890 as of 2025, up from £967 in 2024, indicating good short-term financial strength and liquidity.
• No provisions or significant liabilities noted in the latest year, suggesting minimal contingent risks.

3. Cash Flow Assessment:

• Current assets at £33,259 (mainly cash and equivalents) versus current liabilities of £7,369 provide a comfortable liquidity buffer.
• Net current assets have improved markedly, signaling the company can meet its short-term obligations comfortably.
• Small workforce (1 employee including director) keeps operating costs manageable, supporting positive cash flow prospects.

4. Monitoring Points:

• Track turnover and profitability as the company matures to ensure continued positive cash flow generation.
• Monitor any changes in director ownership or control that could affect governance.
• Watch for any unusual increases in liabilities or overdue filings which may signal financial stress.
• Given the micro size and single director structure, ensure ongoing compliance with filing and reporting deadlines.