Company Number: 13558419

Analysis Date: 2025-07-19 12:57 UTC

1. Credit Opinion: APPROVE
   MD Construction Consulting Limited demonstrates a solid and improving financial position with no overdue filings or signs of distress. The company has consistently increased net assets and working capital, indicating sound financial management. The controlling director holds majority ownership and appears stable, with no adverse director conduct records. Given the company's positive liquidity and equity growth, it is assessed as capable of servicing credit facilities under typical terms.

2. Financial Strength:
   The balance sheet shows a steady increase in net assets from £19,862 in 2023 to £34,925 in 2024, driven primarily by growth in current assets and retained earnings. Fixed assets are minimal and fully depreciated, which is typical for a consultancy business. Shareholders’ funds comprise nearly all net assets, reflecting no significant debt on the balance sheet. The company exhibits a strong equity base relative to its size, consistent with a small private limited company in the management consultancy sector.

3. Cash Flow Assessment:
   Cash at bank has doubled year over year from £15,442 to £30,721, improving liquidity significantly. Net current assets increased from £19,385 to £34,567, indicating comfortable short-term financial flexibility and working capital adequacy. Debtors have increased moderately but remain well covered by cash balances. Current liabilities, mainly taxation and social security, have increased but remain manageable within current assets. Overall, the company’s cash flow position is healthy and supports timely payment of liabilities.

4. Monitoring Points:

• Continued growth in cash and net current assets to maintain liquidity
• Debtor aging and collection efficiency to avoid cash flow strain
• Taxation and social security obligations, which constitute the bulk of current liabilities, should be monitored for timely settlement
• Any changes in director control or ownership structure that could affect governance or credit risk
• Profitability trends through future accounts to ensure sustained equity growth