NHF CONSULTING LIMITED

Executive Summary

NHF CONSULTING LIMITED is a very small, owner-managed accounting consultancy with a modest but declining net asset base and no fixed assets or employees. The company currently demonstrates positive working capital and no short-term liabilities but has limited financial resilience and scale. Credit approval is conditional on maintaining liquidity and careful monitoring of financial performance due to the company’s constrained resources.

NHF CONSULTING LIMITED - Analysis Report

Company Number: 12528385

Analysis Date: 2025-07-19 12:54 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   NHF CONSULTING LIMITED is a micro private limited company engaged in accounting and auditing activities. The company is active, with no overdue filings and no indication of insolvency or liquidation. However, its financial scale is very modest with net assets declining from £11.4k in 2020 to £6.4k in 2024, and current assets have decreased steadily over the last four years. The company shows no fixed assets and no employees, indicating a small, possibly owner-operated business. Given the limited financial resources and shrinkage in net assets, credit facilities should be modest and closely monitored. Approval is conditional on the company's ability to generate sufficient cash flow or secure external funding to service debt.

2. Financial Strength:
   The company’s balance sheet shows a consistent but small net asset base, declining from £11,384 in 2020 to £6,366 in 2024. All assets are current assets, likely cash or receivables, with no fixed assets reported. Current liabilities are nil in recent years, indicating no short-term debt obligations. Shareholders’ funds mirror net assets, indicating no external equity or debt financing. The shrinking net assets and current assets raise concerns about the company’s capital buffer and financial resilience.

3. Cash Flow Assessment:
   Current assets fell from £18,277 in 2020 to £6,366 in 2024, implying reduced liquidity or working capital. The net current assets remain positive, suggesting the company can meet short-term obligations. However, the absence of employees and fixed assets suggests very limited operational scale and possibly limited cash inflows. Without detailed cash flow statements, it is difficult to confirm the company’s ability to generate sufficient operating cash to service new credit.

4. Monitoring Points:

• Monitor net current assets and liquidity trends quarterly to detect further erosion or improvement.
• Watch for any increase in current liabilities or overdue payments that could stress liquidity.
• Review any changes in business scale, such as new hires or capital investments, that may impact financials.
• Assess director’s ongoing involvement and financial support, especially as the sole director and likely operator.