IVIE ANALYTICS LIMITED

Executive Summary

IVIE ANALYTICS LIMITED is a newly incorporated micro-entity with persistent negative net assets and insufficient liquidity to cover current liabilities. The company’s financial position and cash flow profile do not support credit extension at this stage. Continuous monitoring of its financial recovery and capital structure is recommended before reconsidering credit facilities.

IVIE ANALYTICS LIMITED - Analysis Report

Company Number: 14195331

Analysis Date: 2025-07-20 18:35 UTC

1. Credit Opinion: DECLINE
   IVIE ANALYTICS LIMITED exhibits a weak financial position with persistent negative net assets and net current liabilities as of the latest financial year ending June 2024. The company’s total liabilities exceed its current assets, indicating an inability to cover short-term debts. The micro-entity status and minimal asset base further limit its creditworthiness. Additionally, the company is relatively new (incorporated in 2022) with no positive equity or evidence of profitability or cash inflows to support loan repayment or commercial credit. Without significant improvement in financial health or external support, extending credit carries a high risk of default.

2. Financial Strength:
   The balance sheet reveals negative net assets of £2,076 (2024) and £2,276 (2023), with negligible current assets (£7) against current liabilities exceeding £2,000. This demonstrates negative working capital and shareholders’ funds, signifying the company is technically insolvent on a balance sheet basis. There are no fixed assets reported, and the micro-entity exemption indicates very limited operations and scale. The lack of tangible assets or equity cushions reduces financial resilience and borrowing capacity.

3. Cash Flow Assessment:
   The near zero current assets, likely mostly cash or receivables, against current liabilities suggest poor liquidity and limited working capital. The company has only one employee and no reported off-balance sheet liabilities, but the absence of positive cash reserves or trade debtors implies it cannot currently meet its short-term obligations from operating cash flow. The company’s data processing and hosting activities may have future revenue potential, but presently cash flow appears insufficient to service debt or sustain operations without additional capital injection.

4. Monitoring Points:

• Track changes in net current assets and net liabilities for signs of liquidity improvement.
• Monitor any capital injections or shareholder loans that might strengthen equity.
• Review future filings for evidence of revenue generation and positive cash flows.
• Watch for changes in director or ownership structure that could impact governance and financial stewardship.