MS-ANALYTICS LTD

Executive Summary

MS-Analytics Ltd is a newly established micro-entity with a strong balance sheet and solid working capital position, supporting its ability to meet short-term obligations. While financial statements lack profitability details, the company’s equity growth and liquidity are positive indicators. Credit approval is recommended with ongoing monitoring of profitability and cash flow metrics.

MS-ANALYTICS LTD - Analysis Report

Company Number: 14253276

Analysis Date: 2025-07-20 14:09 UTC

1. Credit Opinion: APPROVE with conditions. MS-Analytics Ltd demonstrates a solid net asset base and positive working capital, indicative of healthy short-term liquidity and financial stability. The company’s micro-entity status and small scale limit the depth of financial data, and the absence of profit and loss details restricts insight into profitability trends. Credit approval should be contingent on ongoing monitoring of cash flow and profitability once fuller accounts are disclosed.

2. Financial Strength: The balance sheet shows net assets of £57,430 as of 31 March 2024, up from £27,250 in July 2023, reflecting notable growth in equity. Fixed assets are minimal (£601), consistent with a service-oriented business model. Current assets (£91,232) significantly exceed current liabilities (£34,403), yielding a strong net current asset position (£56,829), supporting liquidity. The company’s equity is entirely shareholder funds, indicating no external long-term debt.

3. Cash Flow Assessment: The company’s current assets primarily consist of cash and receivables sufficient to cover short-term obligations, with a current ratio around 2.65, which is generally considered comfortable. With only one employee, overheads are likely low, favoring positive cash flow generation. However, the lack of a profit and loss account limits the ability to assess operating cash flow or profitability trends, so caution is warranted.

4. Monitoring Points:

• Profitability and cash generation once P&L data becomes available.
• Changes in working capital components, especially receivables and payables.
• Timeliness of future filings to ensure continued transparency.
• Any indication of increased liabilities or debt financing.
• Business development progress given the company’s recent incorporation in 2022.