ISIS CRM LIMITED

Executive Summary

ISIS CRM LIMITED shows a strong and improving financial position with robust liquidity and minimal liabilities, supporting an approval for credit facilities. The company’s cash-rich balance sheet and stable management indicate good repayment capacity and business resilience. Continued monitoring of profitability and working capital composition is recommended to ensure ongoing financial health.

ISIS CRM LIMITED - Analysis Report

Company Number: 12749708

Analysis Date: 2025-07-29 14:24 UTC

1. Credit Opinion: APPROVE
   ISIS CRM LIMITED demonstrates a solid liquidity position with increasing net current assets and shareholders’ funds over the last four years. The company benefits from a strong cash balance relative to its current liabilities, indicating an ability to meet short-term obligations comfortably. The single director’s stable stewardship and absence of adverse records further support credit approval. No indications of distress or overdue filings exist, and the company operates in the stable IT services sector, suggesting resilience.

2. Financial Strength:
   The balance sheet shows a clean structure with no long-term liabilities or debt disclosed, implying low financial leverage and risk. Shareholders’ funds have grown steadily from £16.7k in 2020 to £77.8k in 2024, reflecting retained earnings accumulation and capital preservation. The company’s asset base is composed almost entirely of cash, with minimal debtors and creditors, indicating limited operational complexity but strong financial prudence.

3. Cash Flow Assessment:
   Cash balances have increased year-on-year from £21.5k in 2020 to £83.9k in 2024, providing excellent liquidity coverage against current liabilities which remain low and stable (£6.2k in 2024). The net current assets position is very healthy at £77.8k, evidencing ample working capital to support operations and short-term commitments. The company’s reliance on cash rather than receivables reduces credit risk and supports timely creditor payments.

4. Monitoring Points:

• Maintain close monitoring of turnover and profitability trends, as detailed profit and loss data are not disclosed.
• Track any changes in creditor or debtor levels that may impact liquidity.
• Monitor director conduct and company status to ensure continued compliance and absence of negative actions.
• Observe the company’s ability to expand beyond cash-only assets to diversify working capital if growth accelerates.