INTELLIGENT SOLUTIONS AND RESOURCES LTD

Executive Summary

Intelligent Solutions and Resources Ltd is a newly established micro-entity with a severely negative financial position, marked by net liabilities and negative working capital. The company’s current financial structure does not support its ability to service debt or sustain operations without external intervention. Credit facilities are not recommended until a clear path to profitability and liquidity is demonstrated.

INTELLIGENT SOLUTIONS AND RESOURCES LTD - Analysis Report

Company Number: 15055582

Analysis Date: 2025-07-20 15:59 UTC

1. Credit Opinion: DECLINE
   Intelligent Solutions and Resources Ltd exhibits a very weak financial position with significant net liabilities (£24,276) against minimal current assets (£53) and substantial current liabilities (£24,030). The company is a micro-entity, newly incorporated in 2023, and shows no evidence of profitability or asset accumulation. The negative net current assets indicate an inability to cover short-term obligations, raising serious concerns about liquidity and repayment capacity. Given the lack of financial history, minimal operational scale (only 1 employee), and no audit assurance, extending credit would be highly risky at this stage.

2. Financial Strength:
   The balance sheet reveals net liabilities, indicating the company’s total liabilities exceed its assets. The negative shareholders' funds reflect accumulated losses or possibly initial funding via loans or director’s advances that are reflected as liabilities. With fixed assets not reported and negligible current assets, the company lacks tangible collateral or financial buffer. This fragile capital structure undermines financial resilience and the ability to absorb business shocks.

3. Cash Flow Assessment:
   Current assets of £53 against current liabilities of £24,030 results in a negative working capital position of £23,977. This means the company does not have sufficient liquid resources to meet short-term obligations. There is no indication of cash inflows or revenue generation in the filings, suggesting cash flow constraints. Without positive cash flow or external financial support, the company is unlikely to meet debt service or operational expenses reliably.

4. Monitoring Points:

• Improvement in working capital and net assets in subsequent filings
• Evidence of revenue generation and positive operating cash flow
• Director’s commitments to inject funds or restructure liabilities
• Timely filing of accounts and confirmation statements to ensure ongoing compliance
• Any changes in ownership or management that may improve governance and financial control