RED WOLF COACHING LTD

Executive Summary

Red Wolf Coaching Ltd is a small, owner-managed micro-entity with stable financials and positive working capital, indicating a good ability to meet short-term obligations. The company shows steady growth in net assets without reliance on debt, supporting a low credit risk profile. Continued monitoring of liquidity and business performance is advised to maintain creditworthiness.

RED WOLF COACHING LTD - Analysis Report

Company Number: 14019164

Analysis Date: 2025-07-20 18:36 UTC

1. Credit Opinion: APPROVE
   Red Wolf Coaching Ltd demonstrates a stable financial position with positive net assets and net current assets over the past three years. The company has no long-term liabilities and maintains a consistent working capital surplus, indicating sound short-term liquidity. Given its micro-entity status and one-person operation, credit risk is moderate but manageable. The director holds full ownership and control, suggesting clear accountability and decision-making. No indications of financial distress are present, supporting loan repayment capability.

2. Financial Strength:
   The balance sheet shows net assets increasing from £4,762 in 2022 to £7,139 in 2025, evidencing gradual growth. The company holds no fixed assets, limiting collateral value, but current assets have remained relatively stable (£26k-£31k), while current liabilities decreased in the latest year to £18,735 from £25,313. The net current assets improved accordingly, supporting a positive working capital position. Provision for liabilities is minimal (£277), and no long-term debts are recorded, indicating low gearing and financial risk.

3. Cash Flow Assessment:
   Current assets primarily consist of cash or equivalents and receivables sufficient to cover short-term liabilities, with net current assets of £7,416 at 31 March 2025. This positive working capital suggests the company can meet immediate obligations without liquidity strain. The absence of fixed assets indicates low capital expenditure requirements, potentially preserving cash flow. However, as a micro-entity with one employee, cash flow volatility could arise if revenue fluctuates; ongoing monitoring is prudent.

4. Monitoring Points:

• Maintain or improve net current assets to ensure liquidity
• Monitor any growth in liabilities or introduction of long-term debt
• Track turnover and profitability trends to confirm sustainable operations
• Observe director’s management and any changes in shareholding or control
• Watch for any delays in future accounts and confirmation statement filings