MADEBYRISHI LTD

Executive Summary

MADEBYRISHI LTD, a micro entity newly established in 2023, presents a sound initial financial position with positive net assets and working capital. The company's compliance and governance appear strong under the sole director’s control. Given its early stage, credit approval is appropriate with prudent monitoring of operational cash flows and filings going forward.

MADEBYRISHI LTD - Analysis Report

Company Number: 15223098

Analysis Date: 2025-07-29 16:28 UTC

1. Credit Opinion: APPROVE
   MADEBYRISHI LTD is a newly incorporated micro private limited company with a strong initial net asset base (£9,096) and positive net current assets (£8,343) indicating short-term liquidity. The director, who is also the sole significant controller, appears to have sound stewardship as evidenced by timely filings and compliance with statutory requirements. Given its early stage of operations and modest scale, credit exposure should be limited, but the company demonstrates the fundamental financial stability to support credit facilities.

2. Financial Strength:
   The balance sheet shows total assets of £31,328 composed mainly of current assets (£30,575) and minimal fixed assets (£753). Current liabilities stand at £22,232, resulting in positive net current assets of £8,343. Shareholders’ funds equal net assets at £9,096, reflecting initial capital or retained profits. The financial position is typical for a micro entity in start-up phase, with no long-term debt evident, thus low financial gearing and risk.

3. Cash Flow Assessment:
   The company’s liquidity position is adequate with current assets exceeding current liabilities by £8,343, indicating manageable working capital. The absence of detailed cash flow statements limits deeper analysis, but positive net current assets suggest the ability to meet short-term obligations. The average employee number is one (the director), implying limited payroll commitments and controlled overheads, supporting a conservative cash flow profile.

4. Monitoring Points:

• Monitor future trading results and cash flow generation as the company grows beyond start-up phase.
• Watch for timely filing of next annual accounts and confirmation statements to ensure continued compliance.
• Assess changes in working capital components and any increase in liabilities that may impact liquidity.
• Monitor director conduct and any changes in ownership or control that could affect governance or credit risk.