HYPER ONLINE LTD

Executive Summary

HYPER ONLINE LTD is a start-up micro-entity with a stable but modest financial base, demonstrating positive working capital and no overdue compliance. The company’s limited liabilities and strong ownership control support a low credit risk profile at this stage, although ongoing monitoring of cash flow and operational growth is recommended to ensure continued repayment capacity.

HYPER ONLINE LTD - Analysis Report

Company Number: NI693980

Analysis Date: 2025-07-29 19:48 UTC

1. Credit Opinion: APPROVE
   HYPER ONLINE LTD is a newly incorporated micro-entity operating in the advertising agency sector. The company demonstrates a positive net asset position with modest liabilities and no fixed assets, indicating a lean operation. Given the lack of any overdue filings or adverse status, and a controlling shareholder/director with full ownership and management control, the company appears capable of meeting short-term obligations. The small scale and early stage of the business warrant some caution, but the credit risk is currently low due to limited liabilities and positive working capital.

2. Financial Strength:
   The balance sheet as of 31 January 2024 shows total net assets of £5,050, with current assets of £8,171 exceeding current liabilities of £3,037, resulting in net current assets of £5,134. The company holds no fixed assets, which is typical for a service-based micro-entity. Shareholders’ funds equal net assets, reflecting no long-term debt aside from minor creditors due after one year (£84). Overall, the financial position is stable but very modest, consistent with a start-up phase.

3. Cash Flow Assessment:
   Current assets are sufficient to cover current liabilities by a factor of approximately 2.7 times, indicating adequate liquidity and working capital to support ongoing operations. However, the absolute cash and asset base is small, so any significant adverse event or cash flow disruption could present challenges. The absence of fixed assets reduces depreciation pressures, but also means limited collateral for secured borrowing.

4. Monitoring Points:

• Track revenue growth and profitability as the company matures to ensure sustainable cash flows.
• Monitor debtor days and creditor payment terms to maintain healthy liquidity.
• Watch for any increase in liabilities or borrowing that could strain cash resources.
• Confirm timely filing of accounts and confirmation statements to avoid regulatory penalties.
• Observe any changes in ownership or management that might impact governance or control.