PEAK PERFORMANCE CONSULTANTS LTD

Executive Summary

Peak Performance Consultants Ltd is a small start-up consultancy showing improving financial strength with positive working capital and net asset growth. The company’s liquidity and balance sheet position support a credit approval with limits aligned to its micro-entity status. Ongoing monitoring should focus on cash flow trends and compliance to mitigate early-stage business risks.

PEAK PERFORMANCE CONSULTANTS LTD - Analysis Report

Company Number: 13914529

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

1. Credit Opinion: APPROVE
   Peak Performance Consultants Ltd demonstrates solid financial footing for a micro-entity, with net assets increasing from £8,455 in 2023 to £16,694 in 2024. The company shows positive working capital and no overdue filings, indicating good compliance and financial management. While being a start-up incorporated in 2022, the growth in net assets and current asset management suggest the business can service modest credit facilities. Approval is recommended with a standard credit limit reflecting its micro status and early stage.

2. Financial Strength:
   The balance sheet shows total net assets of £16,694 as of 29 February 2024, up from £8,455 a year earlier. Fixed assets are minimal (£4,080), indicating an asset-light business model typical for consultancy. Current assets decreased slightly but remain healthy at £16,449, with current liabilities low at £3,361. The company’s net current assets (working capital) of £13,088 provide a comfortable liquidity buffer. Shareholders’ funds match net assets, reflecting no long-term debt or external liabilities, which strengthens the balance sheet.

3. Cash Flow Assessment:
   Current assets primarily consist of cash and receivables, sufficient to cover current liabilities almost five times over. The strong positive working capital and low creditor balances indicate sound short-term liquidity and operational cash flow management. There are no signs of overstretched payables or liquidity stress. As a single-director company, cash flow is likely closely monitored, supporting reliable debt servicing capacity.

4. Monitoring Points:

• Track future cash flow trends and working capital changes as the business grows.
• Monitor any increase in short-term liabilities or delayed creditor payments.
• Observe profitability and retained earnings development as accounts become available.
• Watch for changes in director or ownership structure that could impact control or financial stewardship.
• Review timely filing of accounts and returns to maintain compliance and transparency.