NATHAN SANSOM ADVISORY LTD

Executive Summary

Nathan Sansom Advisory Ltd is a micro-entity showing sound initial financial footing with positive net assets and working capital. The company’s liquidity and management structure support its ability to service small credit facilities. Ongoing monitoring should focus on growth in liabilities and cash flow consistency as the business develops.

NATHAN SANSOM ADVISORY LTD - Analysis Report

Company Number: 15113367

Analysis Date: 2025-07-29 19:50 UTC

1. Credit Opinion: APPROVE
   Nathan Sansom Advisory Ltd is a newly incorporated micro-entity with a clean and straightforward financial profile. The company has positive net assets of £18,057 and working capital of £17,437, indicating the ability to meet short-term obligations. The director, who holds full control, has a professional background as a management consultant, suggesting sound stewardship. The absence of overdue filings and a positive equity base support a low credit risk for modest credit facilities.

2. Financial Strength:
   The balance sheet shows minimal fixed assets (£620) reflecting the service nature of the business. Current assets (£42,567) comfortably exceed current liabilities (£28,419), providing a healthy working capital buffer. Net assets equal shareholders’ funds at £18,057, representing retained earnings or initial capital injection. As a micro-entity, the scale is small but financially stable with no long-term liabilities reported.

3. Cash Flow Assessment:
   Current assets mainly comprise cash and receivables, sufficient to cover short-term liabilities, implying good liquidity. Net current assets of £17,437 indicate positive working capital management. No debt or overdraft facilities are noted, reducing financial leverage risk. Given the company’s service-based model and single director setup, cash flow volatility may be low but should be monitored as revenues grow.

4. Monitoring Points:

• Maintain timely filing of accounts and confirmation statements to avoid compliance penalties.
• Monitor growth in current liabilities relative to current assets to ensure sustained liquidity.
• Observe revenue trends and cash flow from operations in next financial periods to assess capacity for increased credit.
• Watch for reliance on a single director and potential concentration risk in management and control.