OLLO FINANCIAL SERVICES LTD

Executive Summary

Ollo Financial Services Ltd shows strong financial growth and liquidity, supported by increasing cash reserves and net assets. The company is well-managed with stable director oversight and no compliance concerns. Based on current data, the firm is creditworthy with a solid ability to meet obligations and expand operations.

OLLO FINANCIAL SERVICES LTD - Analysis Report

Company Number: 13135906

Analysis Date: 2025-07-29 21:14 UTC

1. Credit Opinion: APPROVE
   Ollo Financial Services Ltd demonstrates a healthy financial position with strong net current assets and net equity growth. The company is active, compliant with filing requirements, and has shown significant improvement in working capital and cash balances over recent years. Management appears stable with directors having relevant industry experience. There are no indications of financial distress or governance concerns. The company’s ability to meet short-term liabilities is robust, supporting credit approval.

2. Financial Strength:
   The balance sheet shows steady growth in net assets from £10.6k in 2024 to £47.6k in 2025, driven by increased retained earnings and cash reserves. Fixed assets are minimal (£1.36k), reflecting a service-oriented business with low capital intensity. Shareholders’ funds have increased substantially, indicating profitability and internal capital generation. Current liabilities remain stable around £13k, while current assets have nearly tripled to £59.4k. This results in a strong net current asset position (£46.3k), suggesting good solvency and financial resilience.

3. Cash Flow Assessment:
   Cash on hand increased markedly from £20.8k to £49.2k, improving liquidity and supporting operational needs. Debtors have increased but remain manageable (£10.2k), with no indication of overdue or doubtful debts. Current liabilities are covered nearly 4.5 times by current assets, indicating strong short-term liquidity and working capital management. Loans from directors have reduced significantly, reducing related-party financing risk. Overall, cash flow appears sufficient to service debt and fund ongoing operations.

4. Monitoring Points:

• Monitor debtor balances for timely collection to maintain liquidity.
• Track any changes in director loans or related-party transactions.
• Observe profitability trends in future filings to ensure continued internal capital generation.
• Watch for changes in current liabilities or accruals that may affect working capital.
• Stay alert to any late filings or compliance issues, although currently up to date.