HAY CALL CONSULTING LIMITED

Executive Summary

Hay Call Consulting Limited is a micro start-up in management consultancy with minimal financial history and a very modest net asset base. While currently solvent with positive net current assets, the company’s ability to service debt is unproven. Conditional credit approval is recommended, subject to ongoing monitoring of trading results and cash flow development to ensure financial sustainability.

HAY CALL CONSULTING LIMITED - Analysis Report

Company Number: 14761180

Analysis Date: 2025-07-19 12:06 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Hay Call Consulting Limited is a newly incorporated micro-entity operating in management consultancy. The company has minimal trading history with net assets of £478 and a positive but very modest working capital position. While there is no indication of financial distress, the extremely small scale and lack of profitability data limit confidence in debt servicing capacity at this stage. Approval for credit should be conditional upon receipt of trading performance updates and cash flow forecasts demonstrating sustainability and ability to meet repayment obligations.

2. Financial Strength:
   The balance sheet as of 31 March 2024 shows current assets of £21,022 against current liabilities of £20,544, resulting in net current assets of £478. Total net assets equal £478, reflecting the micro-entity status and start-up phase. There are no fixed assets or long-term liabilities reported. The company’s financial base is very fragile, with minimal equity and no reserves, typical for a first-year micro business. This limited financial strength suggests vulnerability to adverse business conditions or delayed receivables.

3. Cash Flow Assessment:
   Cash liquidity appears marginally positive but very thin. The close matching of current assets and liabilities implies limited working capital cushion. No employees are reported, which may minimize ongoing payroll obligations but also reflects a very lean operation. Without detailed cash flow statements or profit & loss data, it is difficult to assess operational cash generation. Close monitoring of cash inflows and prompt collection of receivables will be critical.

4. Monitoring Points:

• Trading performance and profit generation in subsequent periods.
• Cash flow statements to verify liquidity and ability to cover short-term liabilities.
• Any increase in liabilities that could stress working capital.
• Changes in ownership or director conduct that may impact governance.
• Timely filing of accounts and confirmation statements to ensure compliance.