NOIR BEAUTY & TANNING LTD

Executive Summary

Noir Beauty & Tanning Ltd is a newly established micro-entity with minimal financial resources but compliant in statutory filings. The company’s current financial position shows limited working capital and equity, typical of an early-stage business. Approve credit facilities cautiously with close monitoring of liquidity and operational progress.

NOIR BEAUTY & TANNING LTD - Analysis Report

Company Number: 14615280

Analysis Date: 2025-07-29 19:03 UTC

1. Credit Opinion: APPROVE with caution. Noir Beauty & Tanning Ltd is a very recently incorporated micro-entity operating in the beauty treatment sector. The company has filed its first set of accounts without overdue filings, indicating compliance. The directors appear to have clear ownership and control. However, the financial scale is very small with limited equity and working capital, reflecting early-stage operations. Credit exposure should be modest and monitored closely until further trading history and cash flow data are available.

2. Financial Strength: The balance sheet as at 31 January 2024 shows current assets of £9,888 against current liabilities of £9,153, resulting in net current assets (working capital) of only £735. Total net assets (equity) are also £735, indicating the company has minimal financial buffer. There are no fixed assets reported, and the company employs an average of 3 people. As a micro entity, the company is within expected size thresholds but has a very modest capital base with limited ability to absorb financial stress.

3. Cash Flow Assessment: The company’s liquidity position is tight, with current liabilities almost matching current assets. The positive but minimal net current assets indicate just sufficient short-term resources to meet immediate obligations. No detailed cash flow statement was provided, but given the micro scale and start-up status, cash flow volatility risk is elevated. Management should focus on maintaining positive cash inflows and minimizing creditor days to ensure ongoing liquidity.

4. Monitoring Points:

• Continued timely filing of accounts and confirmation statements.
• Tracking of turnover growth and profitability in subsequent periods.
• Monitoring working capital trends and cash flow generation.
• Assessment of any external financing or capital injections.
• Watch for any director changes or PSC updates that may affect control.