Company Number: 13268240

Analysis Date: 2025-07-20 16:58 UTC

1. Credit Opinion: APPROVE
   Informing Decisions Ltd demonstrates a strong and improving financial position with substantial net current assets and positive net worth. The company maintains low fixed assets, consistent with its micro-entity status, and shows solid liquidity to cover short-term liabilities. The absence of overdue filings and steady management under the current director supports confidence in governance and operational stability.

2. Financial Strength:
   The balance sheet reveals a healthy growth trajectory over the past four years, with net assets rising from £43,309 in 2021 to £155,614 in 2025. Current assets have increased significantly, while current liabilities have decreased, improving working capital from £43,309 to £155,191. The company holds minimal fixed assets, indicating a service-oriented business model with low capital expenditure needs. Shareholder funds have increased proportionally, highlighting retained earnings and financial resilience.

3. Cash Flow Assessment:
   Current assets largely consist of liquid assets sufficient to cover current liabilities by over 11 times (current ratio approx. 11.1), demonstrating excellent short-term liquidity and a strong cash position. Working capital is robust, reducing liquidity risk and supporting operational cash flow needs. Minimal employee count suggests low payroll obligations. No signs of cash flow distress or reliance on external financing are evident from the data.

4. Monitoring Points:

• Monitor cash conversion cycles and debtor collection periods to ensure continued liquidity strength.
• Watch for any significant increase in current liabilities or reduction in net current assets that could signal emerging liquidity pressures.
• Observe business growth trends and client base development given the niche industry (market research and public opinion polling).
• Keep track of director’s conduct and company filings to maintain governance standards and compliance.