Company Number: 13127673

Analysis Date: 2025-07-20 13:30 UTC

Credit Opinion:
CONDITIONAL APPROVAL. Ravensden Consulting Ltd demonstrates asset backing through investment property and maintains positive net assets. However, its large current liabilities relative to current assets and reliance on interest-free, non-fixed repayment loans from related parties suggest liquidity constraints and dependency on shareholder support. Approval is recommended with conditions that further short-term liquidity improvements be demonstrated and that the company maintains timely servicing of liabilities.

Financial Strength:
The company’s balance sheet shows net assets of £77,962 as at 31 January 2025, down from £111,923 the previous year, primarily due to increased long-term liabilities rising from £142,000 to £263,000. Investment property valued at £286,696 constitutes the bulk of fixed assets, providing strong collateral. However, the increase in secured bank loans (£48,000) and related party loans (£215,000) heightens financial leverage. Shareholders’ funds are modest (£77,962) reflecting a micro/small company scale with minimal share capital (£1).

Cash Flow Assessment:
Current assets are £54,266 with cash at £52,649, but current liabilities are reported as £263,000 under amounts falling due after more than one year and no current creditors listed within one year; this could indicate classification of liabilities as long term. Debtors are minimal and not a significant source of liquidity. The company shows positive net current assets (£54,266), indicating working capital sufficiency under current classification. However, the interest-free related party loan (£215,000) with no fixed repayment schedule is a key liquidity support. Absence of employees reduces cash flow burden but also limits internal cash generation.

Monitoring Points:

• Monitor changes in liquidity position, particularly cash balances and ability to meet any short-term obligations.
• Observe repayment terms or restructuring of related party loans to assess risk of sudden cash flow demands.
• Watch for changes in investment property valuations as this asset underpins financial strength.
• Review any additional borrowing or changes in secured debt that may impact leverage and solvency.
• Track filing of future accounts and confirmation statements to ensure compliance and transparency.