RPB BUSINESS CONSULTANCY LTD

Executive Summary

RPB BUSINESS CONSULTANCY LTD is a very new, micro-sized management consultancy with minimal financial history and modest net assets. The company currently maintains positive but small working capital and shows no signs of financial distress. Credit approval is recommended with low exposure and close ongoing monitoring due to limited operational scale and cash flow history.

RPB BUSINESS CONSULTANCY LTD - Analysis Report

Company Number: 14891363

Analysis Date: 2025-07-19 12:33 UTC

1. Credit Opinion: APPROVE with caution.
   RPB BUSINESS CONSULTANCY LTD is a newly incorporated micro-entity (since May 2023) showing minimal net assets (£376) and very modest net current assets (£916). The company has no employees and operates in the management consultancy sector, which generally requires low capital investment. While it currently demonstrates the ability to meet short-term liabilities, the scale of operations is very small and financial history is limited. The sole director and 100% owner, Mr. David Baker, appears to have full control and responsibility, which supports clear accountability but also concentrates risk. Given the limited financial track record, credit exposure should be low and closely monitored.

2. Financial Strength:
   The balance sheet shows total current assets of £15,554 against current liabilities of £14,638, resulting in net current assets of £916. Net assets stand at £376 after accounting for accruals and deferred income of £540. The company holds no fixed assets and has no reported borrowings or long-term liabilities at this stage. Shareholders’ funds equal net assets, reflecting initial equity investment or retained earnings. Overall, the company’s financial position is very modest but not negative. The micro-entity status and absence of employees indicate a lean cost structure but limited operational scale.

3. Cash Flow Assessment:
   Current assets mainly comprise cash or equivalents given the absence of employees or significant operations. The small positive net current assets suggest adequate short-term liquidity to cover immediate obligations. There is no information on cash flow from operations yet, but the company’s current liabilities are almost matched by current assets, which reduces liquidity risk for now. However, working capital is minimal, and any unexpected expenses or delayed client payments could impact liquidity quickly. The lack of operating history means cash flow stability cannot be assured.

4. Monitoring Points:

• Evolution of net current assets and net assets over next 1-2 years to assess growth and capital accumulation.
• Receivables and payables aging to monitor cash conversion cycle and payment behavior.
• Profitability and cash flow from operations as the business scales.
• Director’s credit and business conduct records (currently clean).
• Timely filing of future accounts and confirmation statements to ensure compliance.
• Expansion of client base and revenue streams to reduce concentration risk.