PRIMENTORING ACADEMY LTD

Executive Summary

PRIMENTORING ACADEMY LTD is a newly established micro private company with a strong liquidity position and low liabilities. While the current financials show sound balance sheet health, the absence of trading history necessitates cautious credit exposure with close monitoring of future operational performance and compliance. Credit approval is reasonable at a limited level given the company’s early stage and clean regulatory standing.

PRIMENTORING ACADEMY LTD - Analysis Report

Company Number: 14722253

Analysis Date: 2025-07-29 13:45 UTC

1. Credit Opinion: APPROVE with caution. PRIMENTORING ACADEMY LTD is a newly incorporated micro-entity (since March 2023) with a clean status, no overdue filings, and positive net current assets. The company shows no operating history beyond one financial cycle and has minimal liabilities. The sole director and 100% shareholder appears to maintain control and compliance. However, the absence of trading history or profit and loss figures limits visibility on revenue generation and cash flow sustainability. Given these factors, credit approval is possible but should be limited in size and monitored closely.

2. Financial Strength: The balance sheet as of 31 March 2024 shows current assets of £83,295 against current liabilities of only £9,281, yielding net current assets (working capital) of approximately £74,014. Shareholders’ funds equal this net asset figure, reflecting no long-term debt and minimal capital employed (£2 share capital). The company is well-capitalized relative to its liabilities and holds a strong liquidity position for a micro entity. The absence of fixed assets and employees aligns with early-stage or service-based operations.

3. Cash Flow Assessment: Current assets are likely dominated by cash or receivables, as no inventory or fixed assets are reported. The working capital surplus provides a cushion to meet short-term obligations. However, no historic cash flow statements or profit and loss accounts are available, making the analysis of operational cash generation impossible at this stage. The company’s ability to generate ongoing cash inflows to service any future debt or credit lines remains unproven and would depend on successful business development.

4. Monitoring Points:

• Trading and profitability performance in the next accounting period: look for revenue growth and positive operating cash flow.
• Maintenance of low liabilities relative to assets to sustain liquidity.
• Timely filing of accounts and confirmation statements to ensure regulatory compliance.
• Any changes in control or director appointments that might affect governance.
• Expansion of asset base or employee numbers indicating business scaling or risk increase.