IMMIGRATION ADVISERS LTD

Executive Summary

Immigration Advisers Ltd is a newly established micro-entity with a modest but positive net asset position and positive working capital. The company’s limited operating history and scale necessitate conditional credit approval with close monitoring of financial performance and liquidity. Early signs indicate prudent financial management, but credit exposure should remain limited until a track record develops.

IMMIGRATION ADVISERS LTD - Analysis Report

Company Number: 15221352

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

1. Credit Opinion: CONDITIONAL APPROVAL
   Immigration Advisers Ltd is a newly incorporated micro-entity with a simple balance sheet and limited operating history. The company shows positive net current assets and net assets as at the first year-end, indicating initial financial stability. However, the absence of historic earnings data and the small scale of operations warrant a cautious approach. Credit approval can be considered conditionally with monitoring of future trading performance and timely filing of accounts and returns.

2. Financial Strength:
   The company reported current assets of £5,428 against current liabilities of £2,285, resulting in net current assets of £3,143. After accounting for £280 of long-term liabilities, net assets stand at £2,863, all funded through shareholders’ funds. This modest but positive equity position reflects a conservative capital structure and no apparent over-leverage. Given the micro-entity status with one employee, the financial structure is simple, but the asset base is thin, limiting financial resilience.

3. Cash Flow Assessment:
   Current assets are modest and likely comprise cash or receivables given the service nature of the business. Current liabilities are relatively low, suggesting limited short-term obligations. Net working capital is positive, indicating the company can meet its immediate liabilities from liquid resources. However, the absence of a profit and loss statement or cash flow statement restricts detailed liquidity analysis. Monitoring cash flow generation going forward is essential due to limited financial history.

4. Monitoring Points:

• Future trading profitability and cash flow generation to confirm sustainability
• Timely submission of future accounts and confirmation statements
• Changes in current liabilities or any new borrowing that may affect liquidity
• Continued compliance with regulatory requirements in immigration advisory services
• Potential impact of any legal or regulatory changes on business operations