Company Number: 14403525

Analysis Date: 2025-07-19 13:04 UTC

1. Credit Opinion: APPROVE
   NB HR CONSULTANCY LTD demonstrates a solid financial position for a micro-entity, with positive net assets and increasing equity over the two-year period since incorporation. The company is active, compliant with filing deadlines, and under the sole control of an experienced director. There is no indication of financial distress or operational issues. Credit risk is low given the company’s clean status, positive net current assets, and strong shareholder funds relative to liabilities.

2. Financial Strength:
   The balance sheet shows steady growth. Fixed assets increased modestly from £928 to £2,788, indicating investment in operational capability. Current assets more than doubled from £36,105 to £75,669, while current liabilities also increased but remained well covered, resulting in net current assets (working capital) of £75,669 in 2024 versus £36,105 in 2023. Total net assets rose from £25,217 to £55,454, reflecting retained earnings or capital injections strengthening equity. No long-term debt is reported, which reduces financial risk.

3. Cash Flow Assessment:
   Liquidity appears strong with current assets significantly exceeding current liabilities by a wide margin, indicating ample working capital to meet short-term obligations. The company employs only one employee (the director), limiting fixed overheads and cash outflows. The absence of overdue filings or creditor pressures supports a stable cash flow position, suitable to service any modest credit facility.

4. Monitoring Points:

• Continued growth in net current assets and net assets to confirm ongoing financial stability.
• Maintain timely compliance with filing deadlines to avoid penalties and regulatory risk.
• Monitor any increase in liabilities or changes in working capital dynamics that could affect liquidity.
• Track revenue and profitability trends once more detailed P&L data is available to assess operational performance beyond balance sheet strength.