Company Number: 13371540

Analysis Date: 2025-07-29 16:44 UTC

1. Credit Opinion: APPROVE with caution. Robson Architecture Limited demonstrates a positive net asset position and net current assets, indicating it can meet short-term obligations. However, the significant reduction in net assets and current assets from prior years signals declining financial strength. The director’s involvement in advancing and repaying funds suggests some reliance on owner financing, which could be a risk if external funding is sought. Given the company’s micro entity status and relatively short trading history since incorporation in 2021, credit exposure should be limited and terms monitored closely.

2. Financial Strength: The company’s net assets stand at £13,335 as of 31 March 2025, down markedly from £48,157 in 2024 and £46,984 in 2022. This decline reflects a contraction in current assets from £62,244 to £23,957 and a reduction in net current assets from £47,681 to £13,264. Fixed assets remain minimal at £771, consistent with architectural consultancy’s low capital intensity. The balance sheet remains positive but shows deterioration that warrants scrutiny. Share capital is nominal at £1, consistent with a micro private limited company.

3. Cash Flow Assessment: Current liabilities are £10,693 with current assets of £23,957, yielding a positive working capital position (£13,264). This supports short-term liquidity to cover creditors. However, the halving of current assets year-on-year may indicate collection delays or reduced cash inflows. The director’s loan account fluctuated significantly with advances and repayments, ending with a small balance owed to the director. This suggests some cash flow management reliance on the director’s personal funds. No audit was required, and profit & loss data is not available, limiting insight into operational cash flows.

4. Monitoring Points:

• Track net asset and net current asset trends closely to gauge financial stability.
• Monitor director loan balances for potential liquidity support or strain.
• Review upcoming accounts and confirmation statement filings for timeliness and consistency.
• Observe revenue and profit margins once P&L data is accessible to assess operational viability.
• Maintain scrutiny on working capital management and debtor collection performance.