PS KADIYALA LIMITED

Executive Summary

PS KADIYALA LIMITED exhibits a steadily improving financial position with strong liquidity and net asset growth, backed by a sole controlling director. The company is well placed to service credit obligations, with minimal financial risk evident. Continued monitoring of liquidity and governance stability is recommended to ensure ongoing creditworthiness.

PS KADIYALA LIMITED - Analysis Report

Company Number: 13800525

Analysis Date: 2025-07-29 16:57 UTC

1. Credit Opinion: APPROVE
   PS KADIYALA LIMITED demonstrates a positive financial position with growing net assets and a strong working capital position. The company's micro-entity status and current asset coverage over current liabilities indicate low financial risk. There is no indication of adverse director conduct, and the sole director holds full control, suggesting streamlined decision-making. Given the absence of employees and modest asset base, credit exposure should remain conservative but is acceptable for typical SME credit facilities.

2. Financial Strength:
   The balance sheet as of 31 December 2023 shows current assets of £57,527 against current liabilities of £21,138, yielding net current assets (working capital) of £36,389, which is a marked improvement from £11,932 in the prior year. Net assets have similarly increased from £11,932 to £36,389, indicating retained profits or capital injections. The company holds no fixed assets, relying entirely on liquid or near-liquid current assets. The equity base is solid relative to liabilities, minimizing solvency concerns.

3. Cash Flow Assessment:
   The company holds a comfortable liquidity buffer with current assets nearly three times current liabilities in 2023. The absence of employees implies low operating cash outflows, supporting cash preservation. While detailed cash flow statements are not provided, the growth in net current assets suggests positive cash flow generation or capital funding. The working capital position supports the company’s ability to meet short-term obligations timely.

4. Monitoring Points:

• Maintain monitoring of net current asset trends to ensure liquidity remains sufficient relative to any increases in liabilities.
• Observe any changes in operating scale, especially if the company begins hiring employees, which may impact cash flow.
• Track director and ownership stability given sole control by one individual; any changes could affect governance or financial policy.
• Review upcoming filings to confirm continued compliance and financial performance consistency.