Company Number: 12938374

Analysis Date: 2025-07-29 18:50 UTC

Credit Opinion:
CONDITIONAL APPROVAL. NMBR CONSULTING LIMITED shows an improving liquidity position with positive net current assets and a recent reduction in long-term debt. However, the company remains a micro-entity with limited financial scale and modest net assets (£1,000 as of 2024). The business is small, with one employee (the director) and limited fixed assets, suggesting a service-oriented operation primarily dependent on the director’s expertise. The director’s background as an accountant is a positive factor for financial stewardship. Given the company’s small size and limited financial buffer, credit exposure should be carefully limited and monitored.

Financial Strength:
The balance sheet reflects a small but improving financial position. Net current assets increased from negative (£1,304 in 2023) to positive (£10,000 in 2024), indicating improved working capital management. The company reduced current liabilities slightly and introduced £9,000 of longer-term creditors, which may indicate restructuring of debt or new financing. Fixed assets were written down to zero in 2024 from prior years’ £529, which is not unusual for a micro entity with minimal capital investment. Shareholders’ funds are minimal at £1,000 but positive, showing no insolvency concerns at present.

Cash Flow Assessment:
Current assets mainly consist of cash or equivalents (£16,005) relative to current liabilities (£6,005), suggesting healthy short-term liquidity. The positive net current assets figure implies the company can cover its immediate obligations. The working capital improvement from prior years supports a better cash flow position. However, without detailed profit and loss data, the sustainability of cash inflows is uncertain. The company employs only one person (the director), which limits fixed costs but also constrains operational scale.

Monitoring Points:

• Maintain close tracking of cash flow to ensure continued coverage of current liabilities and avoid liquidity stress.
• Monitor the company’s ability to service the £9,000 long-term creditors introduced in 2024.
• Watch for filings and financial updates to confirm ongoing positive net asset trends and absence of new significant liabilities.
• Assess any changes in business activity or scale, given the narrow operational base and reliance on the director.
• Review any credit applications carefully to avoid overextension beyond the company’s limited financial capacity.