Company Number: 14738807

Analysis Date: 2025-07-29 13:07 UTC

Credit Opinion: APPROVE with low risk.
Omnianda Limited is a newly incorporated private limited company (incorporated March 2023), operating in management consultancy (SIC 70229). Despite its very short trading history, the company presents a small but positive net asset base and a clean structure with a single director/shareholder who holds full control. There are no red flags such as overdue filings or director disqualifications. The company shows modest working capital and no borrowings, indicating a low leverage profile. Given the nature of its business and financial position, it is creditworthy for modest facilities subject to normal monitoring.

Financial Strength:

• Total net assets stand at £21,753, reflecting a small equity base consistent with its micro entity status.
• The balance sheet shows no fixed assets, which is typical for a consultancy business.
• Current assets (£39,316) exceed current liabilities (£17,563), resulting in positive net current assets of £21,753, indicating good short-term financial stability.
• Share capital is minimal (£1), with the bulk of equity represented by retained earnings (profit and loss account).
• No long-term liabilities or debt were reported, indicating no financial gearing or leverage.

Cash Flow Assessment:

• Cash balance of £20,302 is adequate relative to current liabilities, supporting liquidity.
• Debtors (£19,014) are significant but within manageable levels; no indication of overdue or impaired receivables in the data provided.
• Current liabilities include taxation and social security of £15,631, which is a material portion and should be monitored closely for timely settlement.
• Positive net working capital (£21,753) suggests the company can meet short-term obligations without strain.
• The company has only one employee (the director), keeping overheads low and aiding cash flow stability.

Monitoring Points:

• As a newly formed company with one year’s trading data, it is critical to monitor subsequent filings, especially the annual accounts and confirmation statements, for timely submission and financial progression.
• Watch for changes in working capital components, especially trade debtors and tax liabilities, to ensure continued liquidity.
• Monitor the director's conduct and any changes in ownership or control that may affect governance.
• Track revenue growth and profit margins in future accounts to assess business sustainability and debt servicing capacity.
• Given the concentrated ownership, assess the company’s dependency on the director and any plans for business expansion or additional financing.