NUTRIMENTE LTD

Executive Summary

Nutrimente Ltd is a newly formed small private limited company with minimal trading history and modest net assets. The company shows a positive but tight liquidity position supported by director funding. Credit approval is feasible with caution, requiring close monitoring of cash flow, debtor collections, and ongoing trading performance to ensure sustainability and repayment capability.

NUTRIMENTE LTD - Analysis Report

Company Number: 14687430

Analysis Date: 2025-07-29 14:43 UTC

1. Credit Opinion: APPROVE with conditions. Nutrimente Ltd is a newly incorporated small private limited company with a single director and sole shareholder. The company has filed its first set of accounts showing modest net current assets and positive shareholders’ funds. However, the absence of an income statement and limited trading history restricts the ability to fully assess profitability and cash flow generation. The director’s loan to the company and relatively low asset base indicate tight liquidity. Approval is recommended with monitoring of trading performance and cash flow in subsequent periods before increasing credit exposure.

2. Financial Strength: The balance sheet as of 31 March 2024 shows current assets of £7,534 against current liabilities of £5,962, resulting in net current assets of £1,572 and shareholders’ funds of £1,572. The company holds minimal fixed assets and modest cash (£4,521). The presence of director’s loan (£4,386) interest-free and repayable on demand provides some financial support but also indicates reliance on director funding. Overall, the financial strength is weak due to the small capital base and limited asset coverage of liabilities.

3. Cash Flow Assessment: Cash at bank is £4,521, which is a positive indicator of immediate liquidity. Debtors amount to £2,909 but the age and collectability of these receivables are unknown. Current liabilities of £5,962 primarily comprise other creditors and taxation/social security. The net working capital position is positive but narrow (£1,572). The company’s cash flow appears constrained with limited buffer to absorb shocks or delays in receivables. Continued director support may be required to manage working capital.

4. Monitoring Points:

• Trading profitability and ability to generate positive net cash flow from operations in the next reporting period.
• Aging and collection performance of trade debtors.
• Changes in working capital components, especially creditor balances.
• Utilisation and repayment of director’s loan.
• Timely filing of next accounts and confirmation statement.
• Any significant increase in liabilities or changes in share capital.