PAUL COOPER CONSULTING LTD

Executive Summary

Paul Cooper Consulting Ltd is financially stable with a strong net asset base and excellent liquidity, suitable for credit approval within micro-entity limits. The company exhibits prudent financial management and steady growth, with no filing issues or director concerns. Continued monitoring of liabilities and operational performance is advised to maintain creditworthiness.

PAUL COOPER CONSULTING LTD - Analysis Report

Company Number: 12538553

Analysis Date: 2025-07-19 12:54 UTC

1. Credit Opinion: APPROVE
   Paul Cooper Consulting Ltd demonstrates a strong financial position for a micro-entity with consistent growth in net assets and healthy working capital. The company has no overdue filings, no indications of financial distress, and a stable director team with relevant industry experience. Given its micro size and positive balance sheet, it is creditworthy for modest lending or trade credit facilities.

2. Financial Strength:
   The balance sheet shows total net assets of £181,749 as of 31 March 2025, up from £172,588 the prior year. Fixed assets are minimal (£1,140), typical for consulting activities, while current assets increased to £232,047 with current liabilities at £50,938. The company maintains a strong net current asset position (£181,109), indicating good short-term financial stability. Shareholders’ funds have steadily increased from £28,140 in 2020 to over £181k in 2025, reflecting retained earnings or capital injections.

3. Cash Flow Assessment:
   Current assets notably exceed current liabilities by a large margin, suggesting strong liquidity and working capital management. The increase in current assets year-on-year supports the ability to meet short-term obligations comfortably. The director’s loan account (approx. £39k owed to the company) adds a layer of internal funding flexibility. No audit requirement and micro-entity reporting imply limited visibility on cash flow statements, but the balance sheet implies sufficient cash or receivables.

4. Monitoring Points:

• Monitor any significant increase in current liabilities that might stress liquidity.
• Assess any changes in director loan account balance, ensuring it does not become a liability.
• Watch for maintenance of timely filings to avoid regulatory penalties.
• Keep an eye on turnover and profitability trends once available to confirm ongoing operational viability beyond balance sheet strength.