Company Number: 15083735

Analysis Date: 2025-07-20 17:58 UTC

1. Credit Opinion: DECLINE
   LCA Coaching & Consulting Ltd is a newly incorporated micro-entity (incorporated August 2023) with a very limited operating history. The latest available balance sheet shows negative net assets of £4,708, indicating the company’s liabilities exceed its current assets. This weak financial position combined with minimal working capital and no track record of profitability or cash generation raises significant concerns about the company’s ability to service any credit facilities presently or in the near future.

2. Financial Strength:
   The company’s balance sheet at 31 August 2024 shows current assets of £5,232 against current liabilities of £9,940, resulting in a net current liability position of £4,708. There are no fixed assets reported. Shareholders’ funds are negative by £4,708, reflecting accumulated losses or initial funding shortfall. Given that the company only employs the director with no additional staff and is classified as a micro-entity, the financial scale and buffer are minimal. This thin capital base provides little resilience to absorb adverse events or cash flow shocks.

3. Cash Flow Assessment:
   With current liabilities nearly double the current assets and no reported profit and loss data available, liquidity appears constrained. The company’s working capital deficit signals potential difficulties meeting short-term obligations without additional capital injections or cash inflows. The absence of detailed profit and loss statements and cash flow data limits full cash flow assessment, but the negative net assets position strongly suggests the company is currently dependent on owner funding or external support to remain solvent.

4. Monitoring Points:

• Future filings for profit and loss performance to assess operational viability and cash generation.
• Changes in working capital and capital structure to track improvements or further deterioration in liquidity.
• Payment behavior on trade and creditor obligations to identify any early signs of financial distress.
• Director’s ability and willingness to inject additional capital if required.
• Any changes in ownership or management that might impact governance and financial stewardship.