HIRONS-WOOD CONSULTING LTD

Executive Summary

Hirons-Wood Consulting Ltd is a micro private company with improving net assets and strong working capital coverage, indicating financial stability and low credit risk. The company maintains compliance with statutory requirements and is managed by experienced directors with significant ownership stakes. Based on current financial data, the company is well positioned to service credit facilities.

HIRONS-WOOD CONSULTING LTD - Analysis Report

Company Number: 12713647

Analysis Date: 2025-07-29 16:28 UTC

1. Credit Opinion: APPROVE. Hirons-Wood Consulting Ltd demonstrates strong financial health for its size with steadily improving net assets and working capital over recent years. The company is active, compliant with filing requirements, and shows no signs of financial distress or insolvency proceedings. The ownership and management structure appears stable with experienced directors controlling the business. Given the micro size, low liabilities, and positive equity growth, the company poses low credit risk and should be able to service debt obligations adequately.

2. Financial Strength: The company’s balance sheet shows a consistent increase in net assets from a negative £209 in 2020 to £74,274 as of March 2025. Fixed assets remain low but have increased modestly, reflecting conservative capital investment. Current assets have grown strongly to £87,807, comfortably covering current liabilities of £14,782, resulting in a robust net current asset position of £73,025. Shareholders’ funds mirror net assets, indicating equity-funded growth with no evident over-reliance on debt. Overall, the financial position is sound with ample working capital and positive retained earnings.

3. Cash Flow Assessment: Though detailed cash flow statements are not provided, the strong net current assets and low current liabilities suggest healthy liquidity and working capital management. The company employs 4 staff, indicating limited fixed overheads relative to current asset levels. The increase in current assets year on year implies effective cash or receivables management. No indications of liquidity stress or overdue payables are apparent. This suggests the company can meet short-term obligations and maintain operational cash flow stability.

4. Monitoring Points:

• Continue to monitor timely filing of accounts and confirmation statements to ensure compliance.
• Watch for changes in current liabilities or sudden increases in debt levels that could stress liquidity.
• Track profitability trends once profit and loss accounts become available to assess earnings quality.
• Observe director changes or ownership shifts that might impact governance or financial stewardship.
• Monitor industry-related risks given the company's role in auxiliary insurance activities which can be sensitive to regulatory or market changes.