LUXE MARKETING LIMITED

Executive Summary

Luxe Marketing Limited is a small, cash-positive company with improving net assets and strong liquidity relative to its current liabilities. The company’s financial simplicity and compliance history support credit approval, although ongoing monitoring of cash flow and operational performance is advised given the company’s early stage and lack of employees. Overall, there are no immediate credit concerns.

LUXE MARKETING LIMITED - Analysis Report

Company Number: 14150033

Analysis Date: 2025-07-29 15:54 UTC

1. Credit Opinion: APPROVE. Luxe Marketing Limited demonstrates improving liquidity and net asset position with no overdue filings and a clean operational profile. The company is very small, with no employees and a relatively simple balance sheet, but the positive working capital and increasing shareholders’ funds indicate sound short-term financial management. Given the absence of audit requirements and the company’s recent incorporation, credit exposure should be moderate and monitored carefully, but current indicators support credit approval.

2. Financial Strength: The company’s net assets increased from £17,772 in 2023 to £29,327 in 2024, reflecting retained profits and sound equity growth. The balance sheet shows only current assets, mainly cash (£59k), and current liabilities of £30k, resulting in net current assets of £29k. There are no fixed assets or long-term liabilities, indicating a very lean and straightforward capital structure. The company’s financial position is stable, with shareholders’ funds fully positive, and no signs of overleveraging or solvency concerns.

3. Cash Flow Assessment: Cash decreased from £74k to £59k over the year, but remains sufficient to cover current liabilities almost twice over. Low debtor balances (£161) and no stock or other current assets indicate good cash conversion and minimal working capital tied up in trade receivables or inventory. Current liabilities have decreased significantly from £56k to £30k, improving liquidity ratios. Absence of employees reduces payroll cash outflow risks. Overall, the company shows adequate liquidity and working capital management to service short-term obligations.

4. Monitoring Points:

• Continued growth in net assets and positive cash flow trends to ensure debt servicing ability.
• Watch for any increase in liabilities or reduction in cash that could impair liquidity.
• Monitor business performance given zero employee base, ensuring operational continuity.
• Filing and compliance status remains current; maintain vigilance for timely accounts and confirmation statements.
• As a newly incorporated small entity, assess emerging profitability and cash generation patterns in coming periods.