Company Number: 14194667

Analysis Date: 2025-07-29 15:17 UTC

1. Credit Opinion: APPROVE

K.D&G Nanny Services Ltd demonstrates a solid financial position for its age, with improving net assets and working capital. The company shows no signs of distress or overdue filings. Given its active status, clean compliance record, and positive balance sheet trends, it is creditworthy for modest lending or commercial credit facilities.

2. Financial Strength:

The company’s net assets increased from £3,785 in 2023 to £12,799 in 2024, reflecting retained earnings growth (£3,685 to £12,699 P&L reserve). Current assets more than doubled to £14,913, mainly driven by increased cash balances (£1,003 to £9,368) and slightly higher debtors. Current liabilities remain low and stable (~£2,100). The balance sheet is unencumbered by long-term debt or fixed assets, consistent with a service business. Overall, the financial structure is sound with strong equity relative to liabilities.

3. Cash Flow Assessment:

Cash at bank increased substantially, indicating good cash flow management and liquidity. The company maintains a healthy net current assets position of £12,799, providing comfortable short-term coverage for liabilities. Debtor levels are modest and stable, suggesting effective credit control. The absence of significant creditors due within one year reduces liquidity risk. The company’s liquidity profile supports reliable debt servicing capability.

4. Monitoring Points:

• Maintain monitoring of cash flow and debtor collection as the business scales.
• Watch for any increase in current liabilities or delayed payments.
• Track profitability trends and P&L reserves to ensure continued equity growth.
• Review any expansion into new SIC activities (e.g., taxi operations) for operational risk.
• Ensure continued compliance with filing deadlines and regulatory requirements.