NATHHEALTHCARE & IT SOLUTION LTD

Executive Summary

NATHHEALTHCARE & IT SOLUTION LTD exhibits a stable and improving financial profile with solid liquidity and growing equity. The company has demonstrated sound financial stewardship and compliance, supporting its ability to meet debt obligations. Based on current information, the credit risk is low and approval for credit facilities is recommended.

NATHHEALTHCARE & IT SOLUTION LTD - Analysis Report

Company Number: 12948172

Analysis Date: 2025-07-20 13:50 UTC

1. Credit Opinion: APPROVE
   NATHHEALTHCARE & IT SOLUTION LTD demonstrates a stable financial position with positive net current assets and net assets increasing steadily over the past four years. The company holds sufficient cash reserves relative to its short-term liabilities, indicating a strong ability to meet current obligations and service debt. The director, who is also the sole significant controller, appears to maintain sound governance and compliance with filing deadlines. Given these factors, the company is considered creditworthy for standard lending facilities without additional conditions.

2. Financial Strength:
   The company's balance sheet reflects a positive and improving equity base, with net assets rising from £5,517 in 2020 to £25,700 in 2024. Shareholders' funds have increased in line, driven by accumulated retained earnings, which grew from £4,507 to £24,690 over the same period. The capital structure is modest, with share capital at £1,010, indicating that growth is primarily funded through operating profits rather than external equity injections. The absence of long-term liabilities reported suggests a low gearing risk, enhancing financial resilience.

3. Cash Flow Assessment:
   Cash at bank improved from £19,778 in 2021 to £44,263 in 2024, comfortably covering current liabilities (which have decreased from £21,541 in 2020 to £18,563 in 2024). Net current assets have increased to £25,700, demonstrating positive working capital management. The company’s liquidity ratios are healthy, providing confidence in its capacity to manage short-term cash flow demands and unexpected expenses without distress.

4. Monitoring Points:

• Continue monitoring cash flow and liquidity trends to ensure current liabilities remain well covered.
• Watch for any significant increases in creditors or sudden drops in cash balances that could indicate operational or financial stress.
• Observe profitability trends and retention of earnings to sustain equity growth.
• Keep track of compliance with filing deadlines to avoid regulatory penalties or reputational risk.
• Monitor any changes in management or ownership structure that could impact governance quality.