J&C PITCH CONSULTANCY LTD

Executive Summary

J&C Pitch Consultancy Ltd is a recently incorporated micro-entity with a stable financial position and positive net assets. The company shows adequate liquidity for its size and no compliance issues, supporting a credit approval for modest facilities. Close monitoring of cash flow and business growth is recommended as the company develops its operations.

J&C PITCH CONSULTANCY LTD - Analysis Report

Company Number: 14470255

Analysis Date: 2025-07-20 13:10 UTC

1. Credit Opinion: APPROVE
   J&C Pitch Consultancy Ltd is a micro-entity operating in management consultancy since November 2022. The company presents a positive net asset position with minimal liabilities and no overdue filings. The director and sole shareholder shows full control without adverse records. Although the company is newly established with limited financial history, the current financial position indicates a low-risk profile for small credit facilities. Approval is recommended with a limit consistent with micro-entity scale and business age.

2. Financial Strength:
   The balance sheet as of 30 November 2023 shows total fixed assets of £2,484 and current assets of £541 against current liabilities of £531, resulting in net current assets of £10. Total net assets and shareholder funds stand at £2,494. This demonstrates a sound equity base relative to liabilities, albeit small in absolute terms reflecting the early stage of the business. The financial structure is stable with no evidence of leveraging or accumulated losses.

3. Cash Flow Assessment:
   Current assets slightly exceed current liabilities, indicating marginal but positive working capital. The company’s cash or equivalents are limited (£541), suggesting liquidity is tight but sufficient for routine operations and short-term obligations. Given the consultancy nature, cash flow volatility may be moderate, but the micro scale reduces exposure. Monitoring cash inflows from client payments and controlling expenses will be key to maintaining liquidity.

4. Monitoring Points:

• Growth in turnover and profitability as the company matures beyond the first financial year
• Maintenance or improvement of net current assets to ensure liquidity
• Timely filing of annual accounts and confirmation statements to avoid compliance risk
• Any changes in director or ownership structure that could impact governance or financial control
• Potential expansion of fixed assets or borrowings which may affect leverage and risk profile