RISE AND DINE LIMITED

Executive Summary

Rise and Dine Limited is a very recently established micro-entity with limited financial history but currently maintains a small positive working capital buffer. The company’s financial strength is weak due to negative net assets but typical for a start-up in event catering. Conditional credit approval is recommended with emphasis on close cash flow monitoring and timely financial reporting to mitigate risk.

RISE AND DINE LIMITED - Analysis Report

Company Number: 15384814

Analysis Date: 2025-07-20 18:28 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Rise and Dine Limited is a newly incorporated micro-entity (January 2024) operating in event catering. The company shows a net current asset position of £993 and negative net assets of £440 largely due to provisions and accruals. Given its very recent establishment and limited financial history, credit risk is elevated; however, the small working capital buffer and lack of overdue filings are positive. Approval is conditional on monitoring cash flow closely and obtaining up-to-date management accounts to assess ongoing liquidity and profitability.

2. Financial Strength:
   The balance sheet shows current assets of £17,641 against current liabilities of £16,648, resulting in a modest positive net working capital of £993. Total net liabilities of £440 reflect provisions and accruals (£833 and £600 respectively) exceeding total assets less current liabilities (£993). There are no fixed assets reported, consistent with a start-up service business model. Overall financial strength is weak but typical for a micro start-up; the capital structure is under strain but not yet critical.

3. Cash Flow Assessment:
   The company has a slight positive net working capital position, indicating it can currently meet its short-term obligations. However, provisions and accruals reduce net assets and indicate some liabilities are anticipated. No cash flow or profit and loss data is available, so liquidity risk is uncertain. The average workforce of 4 employees adds to fixed overhead costs. Cash flow monitoring is essential, especially as the company grows and takes on more operational expenses.

4. Monitoring Points:

• Quarterly management accounts to track cash flow and profitability trends.
• Debtor and creditor aging reports to ensure timely collections and payment discipline.
• Changes in provisions and accruals for potential contingent liabilities.
• Any additional borrowing or capital injections and their impact on leverage.
• Client contracts and revenue pipeline in event catering to assess business resilience.
• Director conduct and compliance with filing deadlines remain satisfactory.