Company Number: 14600871

Analysis Date: 2025-07-29 12:41 UTC

1. Credit Opinion: APPROVE
   Oakdene Accountancy Ltd demonstrates a stable financial position for a micro-entity with positive net current assets and modest net assets. The company is active, not in liquidation or administration, and has filed accounts and confirmation statements on time. The directors are qualified professionals in accountancy, indicating sound financial stewardship. Given its small scale and early stage (incorporated 2023), credit exposure should be limited, but repayment capacity appears sufficient.

2. Financial Strength:
   The company’s balance sheet shows net current assets of £32,156 and net assets of £1,405 as of 31 January 2025, improving from £174 net assets the prior year. Current assets primarily consist of cash or equivalents, supporting liquidity. The low level of net assets is typical for a micro-entity in early growth but indicates limited capital buffer. Shareholders’ funds are positive, reflecting retained earnings or capital injections.

3. Cash Flow Assessment:
   Current liabilities are low (£5,207), and the company maintains strong net working capital (£32,156). Accruals and deferred income (£30,751) suggest some advance customer payments or liabilities, which is normal in service industries. The company employs 2 staff on average, keeping overheads manageable. Overall, liquidity appears adequate to meet short-term obligations without stress.

4. Monitoring Points:

• Track growth in net assets and working capital to ensure continued ability to support operations and absorb shocks.
• Monitor accruals and deferred income levels relative to revenue to assess cash flow timing and customer advance payments.
• Review any changes in director appointments or PSC structure that could impact management control or financial strategy.
• Keep an eye on payment behavior and any overdue filings as the company grows.