ISHY CONSULTANCY LTD

Executive Summary

Ishy Consultancy Ltd demonstrates a sound initial financial position with positive net assets and liquidity, supported by equity funding. Given its recent incorporation and limited trading history, credit approval is recommended on a conditional basis, requiring close monitoring of financial performance and cash flow generation. Continued compliance with filing obligations and prudent financial management will be key to sustaining creditworthiness.

ISHY CONSULTANCY LTD - Analysis Report

Company Number: 15221924

Analysis Date: 2025-07-29 19:23 UTC

1. Credit Opinion: APPROVE with conditions
   Ishy Consultancy Ltd is a newly established management consultancy company incorporated in October 2023. The company shows positive net current assets and net equity after its first accounting period, reflecting initial financial solidity. However, given the short trading history and absence of turnover or profitability data, credit approval should be conditional, subject to monitoring subsequent trading performance and cash flow generation.

2. Financial Strength:
   The company’s balance sheet as of 31 October 2024 shows:

• Current Assets: £41,801 (likely cash or receivables)
• Current Liabilities: £17,094
• Net Current Assets: £24,707
• Net Assets / Shareholders Funds: £24,107

These figures indicate a strong working capital position for a micro-entity, with net assets funded entirely by equity, implying no reported bank debt or external borrowings at this stage. The company's micro-entity accounting framework limits the detail available, but the clean balance sheet and positive net assets are encouraging.

3. Cash Flow Assessment:
   The reported current assets exceed current liabilities by £24,707, indicating sufficient liquidity to meet short-term obligations. Absence of employees suggests limited operational cash burn. However, no cash flow statement is provided, so assessment relies on balance sheet liquidity. Continued monitoring of cash inflows from consultancy contracts and timely payment of creditors is essential to confirm ongoing liquidity.

4. Monitoring Points:

• Revenue and profit trends once trading data becomes available to assess sustainability and growth.
• Cash flow statements in future filings to verify operational liquidity and working capital cycle.
• Timely filing of statutory accounts and confirmation statements to ensure compliance and transparency.
• Any increase in liabilities or borrowing that could impact financial stability.
• Director’s conduct and company governance adherence, noting sole director and shareholder control by Mr Ismael Anwer Kareem.