MARKSOFT LIMITED

Executive Summary

Marksoft Limited presents a strong financial foundation typical of a start-up micro-entity with solid working capital and no debt. The company’s sole director holds full control, and the balance sheet shows no signs of financial stress. Credit can be approved at conservative levels with close monitoring of operational growth and cash flow development over the next reporting period.

MARKSOFT LIMITED - Analysis Report

Company Number: SC777444

Analysis Date: 2025-07-20 12:52 UTC

1. Credit Opinion: APPROVE
   Marksoft Limited is a newly incorporated micro-entity operating in software development with a clean and simple financial profile. The company shows a positive net asset position of £46,139 and net current assets of £46,139, indicating sufficient short-term assets to cover current liabilities. The sole director and controlling shareholder has direct management involvement, which supports accountability. The absence of audit requirements and micro-entity status limit the depth of financial information but the available data suggests a stable start without debt pressure. Given the company’s early stage, credit should be extended cautiously but confidently at modest levels.

2. Financial Strength:
   The balance sheet is healthy for a micro business, showing total current assets of £77,496 against current liabilities of £31,357, resulting in net current assets (working capital) of £46,139. Net assets equal shareholders’ funds at £46,139, indicating no long-term liabilities or debt encumbrances. The company has no fixed assets reported, which is typical for a service/software business in its first year. The financial structure reflects a well-capitalized start with owner equity fully supporting liabilities.

3. Cash Flow Assessment:
   Current assets likely include cash and receivables sufficient to meet short-term obligations, as current liabilities are less than half of current assets. This suggests satisfactory liquidity and working capital management for a one-person operation. No overdrafts or external borrowings are noted. The company’s cash flow position appears sound, but ongoing monitoring is prudent given the early stage of operations.

4. Monitoring Points:

• Track growth in turnover and profitability in subsequent accounts to ensure sustainable cash flows.
• Monitor changes in current liabilities to detect any increase in short-term financial obligations.
• Watch for any increases in external debt or overdraft usage.
• Confirm timely filing of accounts and confirmation statements to maintain compliance.
• Review management’s track record and any changes in ownership or control that could impact governance.