LINK EXECUTIVE TRANSFERS LTD

Executive Summary

LINK EXECUTIVE TRANSFERS LTD is a newly formed micro-entity demonstrating modest but improving net assets and positive working capital. While financial data is limited, current figures suggest the company can meet short-term obligations, though the equity base remains minimal. Conditional credit approval is recommended with close monitoring of financial filings and cash flow performance to mitigate risk.

LINK EXECUTIVE TRANSFERS LTD - Analysis Report

Company Number: 14098722

Analysis Date: 2025-07-29 14:04 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   LINK EXECUTIVE TRANSFERS LTD is a micro private limited company with a very recent incorporation date (May 2022). The company shows modest net assets (£819 as of May 2024) and limited financial history, which constrains comprehensive credit assessment. The net current assets are positive and have improved year-on-year, indicating some growth and ability to meet short-term obligations. However, the significant portion of creditors classified as amounts falling due after one year (£10,302 in 2024) relative to net assets signals reliance on longer-term liabilities. Given these factors and the company's micro size and limited trading history, credit approval should be conditional, requiring ongoing monitoring and potentially limits on exposure until a longer track record is established.

2. Financial Strength:
   The balance sheet reflects a small but positive net asset base (£819), improved from £111 at the prior year-end. Current assets have increased from £7,418 to £11,289, supporting liquidity. The company’s creditors falling due after more than one year have increased but remain manageable relative to total assets. The shareholder funds match net assets, indicating no hidden liabilities. Overall, the financial structure is stable for a micro-entity but fragile given the minimal equity buffer and limited scale.

3. Cash Flow Assessment:
   The company has positive net current assets (£11,121) indicating working capital adequacy to cover short-term liabilities. The increase in current assets suggests cash inflows or improved receivables/stock management. However, due to the absence of a profit and loss account filing, cash flow from operations cannot be reliably assessed. The small size and limited employee base (average 2 employees) imply relatively low fixed costs, which is positive for liquidity. Monitoring short-term cash flow trends is recommended.

4. Monitoring Points:

• Confirm timely filing and review of next annual accounts and confirmation statements to assess ongoing financial performance and compliance.
• Monitor net asset growth and any increase in long-term liabilities that may affect solvency.
• Track cash flow statements (when available) for operational cash generation and liquidity trends.
• Keep oversight on director conduct and any changes in ownership or control given the sole control by one individual.
• Review any credit facilities or trade credit utilization to ensure obligations are met without strain.