INTEGRITY & COMPLIANCE CONSULTANTS LIMITED

Executive Summary

Integrity & Compliance Consultants Limited shows a stable financial profile with improving net assets and strong liquidity, suitable for credit approval. The company’s low overhead structure and positive working capital provide assurance of its ability to service debt. Ongoing monitoring should focus on maintaining liquidity and sector conditions.

INTEGRITY & COMPLIANCE CONSULTANTS LIMITED - Analysis Report

Company Number: 13030804

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

1. Credit Opinion:
   APPROVE. Integrity & Compliance Consultants Limited demonstrates solid financial stability with consistent growth in net assets and positive working capital. The company operates in the management consultancy sector, which generally has low capital intensity and steady demand. There is no indication of financial distress or adverse director conduct. The company's ability to service debt appears strong given its net current assets significantly exceed current liabilities.

2. Financial Strength:
   The company’s balance sheet is healthy for a micro-entity. Net assets have increased from £206,671 in 2020 to £257,337 in 2024, indicating steady accumulation of equity and retained earnings. Fixed assets have slightly declined, reflecting the nature of a consultancy business which relies less on tangible assets. Current assets increased to £256,133 in 2024 while current liabilities decreased to £17,838, improving liquidity and reducing short-term financial risk.

3. Cash Flow Assessment:
   Working capital is robust with net current assets of £238,295 as of November 2024, an improvement from £168,882 in 2020. This suggests strong liquidity and the ability to cover short-term obligations comfortably. No audit is required due to micro-entity status, but the cash position inferred from working capital supports good operational cash flow management. The company employs only one person (the director), which limits payroll burden and fixed overheads, enhancing cash flow resilience.

4. Monitoring Points:

• Monitor the maintenance of positive working capital and net assets to ensure ongoing liquidity.
• Watch for any significant increase in current liabilities that could pressure short-term cash flow.
• Track business activity and revenue trends in the consultancy sector, especially if economic conditions tighten, as discretionary spending on consultancy can fluctuate.
• Observe director appointments and any changes in company control or financial policy that might affect credit risk.