Company Number: 14837150

Analysis Date: 2025-07-29 16:09 UTC

1. Credit Opinion: APPROVE
   M.G.D.CONSULTANT LIMITED is a newly incorporated micro-entity operating in the management consultancy sector. The company demonstrates solid initial financial health with net assets of £34,919 and positive working capital. Given the absence of overdue filings, no signs of financial distress, and directors with undisclosed adverse records, the company appears to have the capacity to service modest credit facilities. However, as a start-up with limited operating history, cautious credit limits and ongoing monitoring are advised.

2. Financial Strength:
   The balance sheet shows total net assets of £34,919, which represents shareholders’ funds. Fixed assets are minimal at £602, appropriate for a consultancy business model with low capital expenditure. Current assets total £65,801 mainly comprising cash or receivables, while current liabilities stand at £31,484, resulting in net current assets (working capital) of £34,317. This indicates a comfortable liquidity buffer to meet short-term obligations. The company employs two staff including directors, consistent with its micro-entity status.

3. Cash Flow Assessment:
   Although detailed profit and loss or cash flow statements are not provided, the significant positive net current assets and absence of overdue filings suggest adequate liquidity to cover immediate liabilities. The company’s reliance on current assets for liquidity is normal for a consultancy firm. There is no indication of cash flow stress, but further insight into revenue generation and profitability would strengthen the credit assessment.

4. Monitoring Points:

• Monitor revenue growth and profitability once financials become available beyond the balance sheet.
• Watch for changes in current liabilities and working capital trends to ensure liquidity remains healthy.
• Track timely filing of future accounts and confirmation statements to confirm ongoing compliance.
• Observe market conditions affecting management consultancy demand, which could impact cash flows.
• Review director conduct records periodically for any changes or disqualifications.