HUNTINGTON ANALYTICS LIMITED

Executive Summary

Huntington Analytics Limited is a newly formed micro private limited company with modest but positive net assets and working capital, indicating the ability to meet short-term obligations. The company is low risk due to its small size, clean compliance record, and director commitment. Approval for credit facilities is recommended with prudent limits and ongoing monitoring of financial performance and compliance.

HUNTINGTON ANALYTICS LIMITED - Analysis Report

Company Number: 15221418

Analysis Date: 2025-07-29 16:44 UTC

1. Credit Opinion: APPROVE (Low Value, Low Risk) Huntington Analytics Limited is a newly incorporated micro private limited company with a clean filing history and no overdue accounts or returns. The company has modest net assets (£7,974) and positive net current assets, indicating it is solvent and able to meet short-term obligations. As a micro company in IT consultancy with only one employee (the director), its credit exposure is low. The director/control person appears to have sound control and has advanced a small unsecured loan to the company, reflecting personal commitment. Given the early stage and modest scale, credit facilities should be approved with limits aligned to size and growth potential.

2. Financial Strength:

• Total net assets stand at £7,974 with net current assets at £7,974, reflecting a simple balance sheet with no long-term liabilities.
• Current assets (£27,436) exceed current liabilities (£19,462) providing modest working capital.
• The company operates under micro-entity accounting standards and is exempt from audit, indicating simplicity and limited complexity in financial affairs.
• No long-term debt or contingent liabilities are reported.
• Shareholders' funds equal net assets, showing a clean equity structure. Overall, the financial strength is adequate for the company size but limited in scale and depth.

3. Cash Flow Assessment:

• The balance sheet shows positive net working capital, which is a good indicator of liquidity.
• The director has advanced a nominal loan (£1), interest-free and repayable on demand, which provides a small buffer if needed.
• No indication of cash flow problems or overdue creditor payments.
• Business is at an early stage with minimal employees (1) and likely low operating expenses.
• Cash flow risk is low but will depend on revenue generation going forward, which is not yet documented.
• Monitoring initial trading cash flow statements will be important.

4. Monitoring Points:

• Monitor timely filing of accounts and confirmation statements to ensure compliance.
• Track revenue and profit trends as company moves beyond start-up phase.
• Observe working capital turnover and debtor/creditor days as business grows.
• Review director advances and intercompany transactions for any signs of financial stress.
• Assess any changes in ownership or control that might affect risk profile.
• Monitor economic conditions impacting IT consultancy sector.