PERALABS LTD

Executive Summary

PERALABS LTD is a small, financially stable IT services company with improving net assets and strong liquidity. Its balance sheet reflects prudent management of working capital and absence of debt, supporting its ability to service credit facilities. Continued monitoring of cash flow and operational performance is advised to maintain credit confidence.

PERALABS LTD - Analysis Report

Company Number: 12905271

Analysis Date: 2025-07-29 19:37 UTC

1. Credit Opinion: APPROVE. PERALABS LTD demonstrates a solid financial position characterized by positive net assets, improving working capital, and absence of overdue filings. The company is a micro-entity with a straightforward business model in IT and business support services. Its sole director and 100% shareholder appears to maintain control and oversight. There are no indications of financial distress or governance concerns. Credit facilities can be extended with confidence in the company’s ability to meet obligations.

2. Financial Strength: The balance sheet shows steady growth in net assets from £252 in 2020 to £33,922 in 2025, reflecting capital injections or retained earnings. Fixed assets are minimal but consistent with a service-based business. Current assets have increased to £44.6k while current liabilities have decreased to £14k, resulting in healthy net current assets of £30.6k, indicating a strong liquidity buffer. Shareholders' funds equal net assets, showing no long-term debt. Overall, the company’s financial structure is conservative and sound for its size.

3. Cash Flow Assessment: The company has a positive net working capital position, with nearly three times more current assets than current liabilities in the latest year. This suggests sufficient short-term liquidity to cover operational expenses and short-term debts. The increase in net current assets from £12.9k to £30.6k over the last year portrays improving cash flow management. No audit or detailed P&L data is available, but the micro-entity accounts and the director’s statements imply stable operations with no red flags on liquidity.

4. Monitoring Points:

• Monitor the company’s ability to maintain or grow net current assets to ensure ongoing liquidity.
• Observe any changes in shareholder funding or introduction of debt that could alter the financial risk profile.
• Track operational performance once profit & loss data is available to confirm sustainable earnings.
• Review director conduct or changes in management structure given the sole director’s control.
• Keep filings up to date to avoid compliance risks.