I.G.M GLOBAL LTD

Executive Summary

I.G.M Global Ltd is a micro private limited company with improving financial health, evidenced by a growing net asset base and robust working capital. The company operates in a stable industry segment with no compliance issues, supporting a credit approval for standard lending facilities. Ongoing monitoring should focus on liquidity maintenance and sector risks.

I.G.M GLOBAL LTD - Analysis Report

Company Number: 12897418

Analysis Date: 2025-07-29 14:28 UTC

1. Credit Opinion: APPROVE
   I.G.M Global Ltd demonstrates adequate financial stability for its micro-sized scale, with a positive and improving net asset position and strong working capital. The company has no overdue filings and operates in a stable industry segment (public houses and bars). The director has maintained consistent control and there are no red flags such as overdue accounts or director disqualifications. Given the limited size and micro-entity status, credit risk is low to moderate, and the company appears capable of servicing typical credit facilities, subject to standard monitoring.

2. Financial Strength:
   The company’s balance sheet shows a gradual strengthening over the past four years. Shareholders’ funds have increased from £416 (2020) to £9,813 (2024), indicating retained profits or capital injections. Fixed assets are minimal (£2k range), which is typical for the sector and company size, suggesting limited capital expenditure commitments. Net current assets have improved from £4,416 to £7,765, reflecting a healthy liquidity buffer. Total liabilities are low relative to assets, indicating a conservative financial structure with no evident over-leverage.

3. Cash Flow Assessment:
   Current assets of £10,034 against current liabilities of £2,269 produce a strong working capital position (£7,765), providing comfortable short-term liquidity. This suggests the company can meet its immediate obligations and has capacity to manage operational cash flow demands. The absence of large liabilities due within one year reduces refinancing risk. While detailed cash flow statements are not available, the net current asset trend and absence of overdue payments indicate satisfactory cash flow management.

4. Monitoring Points:

• Continued profitability and retention of earnings to maintain and grow shareholders’ funds.
• Liquidity ratios, ensuring current assets continue to cover current liabilities comfortably.
• Impact of sector-specific risks such as regulatory changes or economic downturns affecting hospitality.
• Director’s ongoing involvement and any changes in management or control.
• Timely filing of accounts and confirmation statements to avoid compliance risks.