NOT A COPYWRITER LTD

Executive Summary

Not A Copywriter Ltd is a very small micro-entity with a significantly reduced net asset base and declining liquidity in the latest financial year. While currently active and compliant with filing obligations, the company’s financial profile suggests limited resilience and a higher risk profile. Credit approval should be conditional and subject to close ongoing monitoring of financial performance and cash flow stability.

NOT A COPYWRITER LTD - Analysis Report

Company Number: 13815174

Analysis Date: 2025-07-29 14:42 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Not A Copywriter Ltd is an active micro private limited company with a very modest balance sheet. The company’s net assets have declined significantly from £11,807 at the end of 2022 to £1,867 at the end of 2023, indicating a material reduction in financial strength which warrants caution. There is no indication of profitability or income figures, but the drop in current assets and net current assets suggests weakening liquidity and potential cash flow constraints. Given the limited financial scale and absence of detailed profitability data, credit approval should be conditional on further monitoring and potentially securing additional collateral or guarantees.

2. Financial Strength:
   The company’s balance sheet is very small, with net assets of only £1,867 as of 31 December 2023, down from £11,807 the prior year. Current assets have fallen sharply from £23,707 to £3,865, while current liabilities have reduced less proportionally, resulting in net current assets declining from £11,807 to £1,867. This shrinkage signals deteriorating financial resilience. With no fixed assets reported, the company’s entire asset base is short-term, increasing vulnerability to cash flow fluctuations. The company is classified as micro and has only one employee on average, suggesting a very small operational scale.

3. Cash Flow Assessment:
   Current assets exceed current liabilities, providing a positive net working capital (£1,867), but the sharp decline year-on-year is a warning sign for liquidity. The reduced cash and debtor position implies less working capital available to cover short-term obligations. Without access to profit and loss data, it is difficult to assess operating cash generation, but the diminished asset base could reflect operating losses or increased cash burn. The company should be monitored closely for any delays in payments or increased reliance on external financing.

4. Monitoring Points:

• Monitor future filings for profitability and cash flow trends to understand if the decline in net assets is reversed.
• Track current ratio and net current assets to ensure liquidity remains adequate for operational needs.
• Review director and related party transactions given sole control by Mrs. Victoria Hazel Tattersall-Law to identify any potential risks.
• Watch for any overdue filings or signs of financial distress such as payment delays or creditor pressures.