PDL PAYMENT SOLUTIONS LIMITED
Executive Summary
PDL Payment Solutions Limited is a financially stable micro-entity with strong growth in net assets and healthy liquidity, reflecting prudent financial management. The company’s improving balance sheet and absence of overdue filings support an approval recommendation for credit. Ongoing monitoring should focus on maintaining working capital strength and compliance adherence.
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This analysis is opinion only and should not be interpreted as financial advice.
PDL PAYMENT SOLUTIONS LIMITED - Analysis Report
Credit Opinion: APPROVE
PDL Payment Solutions Limited demonstrates a stable and improving financial position with consistent growth in net assets and working capital. The company is a micro-entity with no overdue filings, active status, and increasing shareholders' funds, indicating sound management and financial stewardship. The limited employee base and niche market focus mitigate operational risks. There is no indication of financial distress or adverse director conduct. The company should be approved for credit facilities with normal monitoring.Financial Strength:
The balance sheet shows a solid upward trend over the last four years. Net assets increased from £11,768 in 2020 to £111,663 in 2024, effectively a nearly tenfold increase. Current assets rose substantially to £164,623 by 2024, supported by modest fixed assets (£851). Current liabilities at £44,345 are well covered, resulting in strong net current assets of £120,278. Long-term liabilities have reduced from £17,569 to £9,166, improving the overall solvency and capital structure.Cash Flow Assessment:
The company maintains a healthy liquidity position with net current assets growing significantly year-on-year. The working capital buffer of over £120k indicates sufficient short-term resources to meet immediate obligations. There is no evidence of reliance on overdrafts or short-term borrowings. Given the micro-entity exemption from audit, detailed cash flow statements are not available, but current asset composition and creditor levels support positive liquidity.Monitoring Points:
- Maintain vigilance on the company's ability to sustain growth in current assets without proportionate increase in liabilities.
- Monitor any changes in director or PSC status to assess governance continuity.
- Watch for any late filings or compliance issues that could affect credit risk.
- Keep an eye on industry developments in combined facilities support activities for emerging risks or opportunities.
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