Company Number: 14156992

Analysis Date: 2025-07-29 20:52 UTC

1. Credit Opinion: CONDITIONAL APPROVAL. OBH CONSULTING GROUP LTD is a recently incorporated micro-entity operating in business support and financial management services. The company has a very small scale of operations with minimal fixed assets and limited working capital. It shows a marginal net asset position as of the latest accounts, indicating limited financial buffer. The company’s ability to meet short-term obligations appears stable but constrained, and the presence of long-term creditors equal to current liabilities suggests some financial structuring that requires monitoring. Given the limited financial history and scale, credit should be extended cautiously with conditions such as monitoring of cash flow and timely filing compliance.

2. Financial Strength: The balance sheet as at 30 June 2024 shows no fixed assets, current assets of £13,131, and current liabilities of £3,691, resulting in net current assets of £9,440. However, there are non-current liabilities of £8,921, leaving net assets and shareholders funds at a modest £519. This is a significant decline compared to the prior year net assets of £1,776 and £2,111 two years ago, indicating a weakening equity base. The company’s capital is minimal, and the presence of long-term liabilities nearly equal to current assets may reflect loans or deferred payments. Overall, the financial strength is weak but not critical.

3. Cash Flow Assessment: With only one employee and operating as a micro-entity, the company’s cash flow is likely limited but appears sufficient to cover immediate liabilities. The positive net current assets imply adequate short-term liquidity; however, the decline in shareholders funds and net assets suggests potential cash flow pressures. The company’s working capital position improved slightly from the prior year (from £6,810 to £9,440), which is a positive sign but needs to be closely monitored given the small absolute amounts involved. No data on profit/loss or cash flow statements is provided, so cash generation ability is uncertain.

4. Monitoring Points:

• Watch for any overdue filings or delays in statutory returns, as timely compliance is critical for creditworthiness.
• Monitor changes in net assets and working capital trends to detect any further erosion of financial strength.
• Review long-term liabilities structure to understand repayment terms and potential refinancing risks.
• Evaluate future accounts for evidence of revenue growth, profit generation, and improved cash flow.
• Keep an eye on director changes or any shifts in control that might impact management quality or strategic direction.