HOLISTIC HEALTH CONSULTANCY LIMITED

Executive Summary

Holistic Health Consultancy Limited is a very small micro-entity with minimal net assets and tight liquidity, controlled solely by its director. While it is currently solvent and compliant, its financial base is fragile, warranting cautious credit exposure with ongoing monitoring of working capital and director support. Lending decisions should consider personal guarantees or additional security given the company’s limited financial resilience.

HOLISTIC HEALTH CONSULTANCY LIMITED - Analysis Report

Company Number: 12721532

Analysis Date: 2025-07-29 18:50 UTC

1. Credit Opinion:
   CONDITIONAL APPROVAL. Holistic Health Consultancy Limited is a micro-sized private limited company with limited financial resources and very modest net assets (£110 as of July 2024). The company is currently active and not in liquidation, with no overdue filings. However, net current assets are minimal and just slightly positive, indicating a very tight working capital position. The business is wholly owned and controlled by a single director, which simplifies oversight but raises dependency risk on one individual. Lending should be considered only with strict monitoring and possibly personal guarantees or collateral given the company's thin equity and cash buffer.

2. Financial Strength:
   The company’s balance sheet shows very low net assets, increasing slightly from £48 in 2023 to £110 in 2024. Current assets and liabilities have approximately doubled in the last year, but net working capital remains marginally positive (£110). Share capital is minimal (£100). There are no fixed assets reported, so all assets are current in nature. This suggests limited capital investment and possibly low operational scale. The company’s financial trajectory shows a slight improvement in net assets but remains fragile and susceptible to liquidity stress.

3. Cash Flow Assessment:
   Current assets consist likely of cash and receivables totaling £21,276 with current liabilities at £21,166, leaving negligible net current assets of £110. This indicates the company’s liquidity is very tight, with minimal room to absorb unexpected expenses or delays in cash inflows. The company reported only one employee (the director), minimizing payroll burden. The director’s commitment to provide ongoing support is critical to the going concern assumption. Overall, working capital management appears minimal, and cash flow risks should be carefully monitored.

4. Monitoring Points:

• Track quarterly cash flow and current ratio to ensure the company maintains a positive net working capital buffer.
• Monitor director’s ongoing support and any personal financial commitments to the company, as reliance on a single individual is high.
• Watch for changes in trade creditors and debtors to identify any liquidity stress early.
• Review annual accounts for changes in assets, liabilities, and profitability to detect any deterioration or improvement.
• Confirm that statutory filings remain up to date to avoid compliance risks.