IMNT LTD

Executive Summary

IMNT LTD is a newly formed micro-entity with a stable opening balance sheet and positive working capital, controlled by a single experienced director. While credit exposure should be modest given its start-up status, the company currently demonstrates adequate liquidity and no negative financial indicators. Approval is recommended with close monitoring of operational cash flow and growth metrics going forward.

IMNT LTD - Analysis Report

Company Number: 15456299

Analysis Date: 2025-07-29 16:09 UTC

1. Credit Opinion: APPROVE

IMNT LTD is a newly incorporated micro-entity with its first set of financial statements filed. The company shows a positive net asset position (£25,130) and net current assets of £26,030, indicating initial financial stability. There are no overdue filings or signs of distress. The sole director and 100% shareholder, Ms. Natalie Belasco, appears to have full control and responsibility, which can be positive if she demonstrates sound management. Given the company’s early stage and small size, credit exposure should be limited and closely monitored, but there is no immediate concern to decline credit.

2. Financial Strength

The balance sheet is simple and sound for a micro-entity. Current assets (£45,468) exceed current liabilities (£19,438) by a comfortable margin, providing positive working capital. Net assets equal shareholders’ funds at £25,130, showing no debt funding or accumulated losses. The company maintains a clean balance sheet with no long-term liabilities disclosed. This financial foundation is typical for a start-up at this scale and suggests good initial capitalization.

3. Cash Flow Assessment

Current assets likely include cash or equivalents, as the company has no employees and limited operational history. The positive net current assets imply sufficient liquidity to meet short-term obligations. The absence of employees reduces fixed costs and cash burn, enhancing liquidity. However, there is no historic revenue or cash flow data to assess operating cash generation. Thus, ongoing monitoring of cash flow as business activity grows is essential.

4. Monitoring Points

• Revenue and profit trends as the company moves beyond start-up phase.
• Maintenance of positive working capital and liquidity ratios.
• Any increases in short-term or long-term liabilities that might strain cash flow.
• Director’s management decisions and potential changes in shareholding or control.
• Timely filing of future accounts and confirmation statements.
• Industry developments in business support services that may impact demand.