MANOLE.MAN LTD

Executive Summary

MANOLE.MAN LTD shows a steady financial progression with improving net assets and strong working capital, supported by a single controlling director and low operational overhead. The company’s liquidity and balance sheet health support its ability to meet short-term obligations, making it a suitable candidate for credit approval. Continued monitoring of sector risks and financial metrics is recommended to maintain creditworthiness.

MANOLE.MAN LTD - Analysis Report

Company Number: 13827798

Analysis Date: 2025-07-29 18:46 UTC

1. Credit Opinion: APPROVE
   MANOLE.MAN LTD demonstrates a stable financial position with consistent growth in net assets and working capital over the past three years. The company operates within the freight transport by road sector, with a clear ownership structure controlled by a single director and shareholder, indicating straightforward governance. Given the absence of overdue filings, no audit exemptions due to size, and positive net current assets, the company shows a reasonable ability to meet short-term obligations and service potential credit facilities.

2. Financial Strength:
   The company is classified as a micro-entity and shows progressive strengthening of its balance sheet: net assets increased from £5,683 at 2022 year-end to £10,467 at 2025 year-end. Current assets nearly doubled from £7,266 to £16,514 during this period, while current liabilities increased modestly from £1,583 to £6,047. The resulting net current assets (working capital) have improved significantly to £10,467, indicating a solid buffer against short-term liabilities. The company holds no long-term debt on record, and shareholders’ funds mirror net assets, reflecting no external equity dilution or hidden liabilities.

3. Cash Flow Assessment:
   Liquidity appears sound with a current ratio (current assets/current liabilities) of approximately 2.7 at the latest year-end, indicating comfortable coverage of short-term debts. The company employs only one employee, suggesting low fixed operational overhead. While detailed cash flow statements are not provided, the increasing net current assets and positive equity growth imply effective working capital management and cash generation. No off-balance-sheet liabilities are disclosed, reducing hidden liquidity risks.

4. Monitoring Points:

• Ensure continuation of positive working capital trends and monitoring of any significant increases in current liabilities that could pressure liquidity.
• Observe any changes in ownership or governance that may impact decision-making or financial stewardship.
• Monitor the freight transport sector conditions and regulatory environment, as economic downturns or fuel price volatility could affect cash flows.
• Watch for timely submission of future accounts and returns to avoid compliance penalties.