INT RE CONSULT LTD

Executive Summary

Int Re Consult Ltd is a newly established micro-entity in the real estate agency sector with a small but positive balance sheet and current liquidity coverage. While the company is compliant with statutory requirements and shows a modest equity base, the limited operating history and scale warrant a cautious credit approach. Conditional approval is advised with ongoing monitoring of financial performance and liquidity indicators to mitigate risk.

INT RE CONSULT LTD - Analysis Report

Company Number: 14394738

Analysis Date: 2025-07-20 12:13 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Int Re Consult Ltd is a recently incorporated private limited company (October 2022) operating in real estate agencies (SIC 68310). The company is active and up to date with all statutory filings, indicating sound compliance discipline. However, as a micro-entity with minimal financial history and small scale operations (no employees), the credit risk is moderate. The company’s modest net assets and working capital provide limited cushion. Approval for credit facilities could be considered on a conditional basis, subject to ongoing monitoring and possibly limited exposure until a longer track record and revenue growth are established.

2. Financial Strength:
   The balance sheet at 31 October 2023 shows total net current assets of £1,816 and shareholders’ funds of the same amount, reflecting a small but positive equity base. Cash holdings are low at £3,078, but exceed current liabilities of £1,262, resulting in a positive liquidity position. The company has no fixed assets and no employees, indicating a lean operating model. Retained earnings of £1,716 suggest some profitability or capital injection since incorporation. Overall, financial strength is limited by scale but not currently weak or negative.

3. Cash Flow Assessment:
   The company’s cash of £3,078 covers current liabilities comfortably, pointing to adequate short-term liquidity. Net current assets are positive, indicating working capital is sufficient to meet immediate obligations. However, with no employees and no detailed profit and loss data filed, cash flow sustainability depends heavily on ongoing business activity and the director’s ability to generate revenue. The absence of audit and limited financial disclosures means cash flow quality and predictability cannot be fully assessed at this stage.

4. Monitoring Points:

• Track turnover and profitability trends in future filings to confirm business viability and growth.
• Monitor cash balances and current liabilities to ensure continued liquidity.
• Watch for any director changes or changes in significant control that could impact governance.
• Observe any overdue filings or signs of financial distress given the limited operating history.
• Review any future credit requests for consistency with company scale and financial capacity.