RTA ENABLERS LIMITED

Executive Summary

RTA Enablers Limited is a micro-entity in the early stages of trading, showing revenue growth but ongoing losses and no net assets. Its financial strength and liquidity are minimal, limiting its ability to independently service debt. Credit approval is recommended only on a conditional basis with additional security or guarantees. Close monitoring of profitability and cash flow is essential going forward.

RTA ENABLERS LIMITED - Analysis Report

Company Number: 14527540

Analysis Date: 2025-07-29 12:42 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   RTA Enablers Limited has been trading for just over two years, showing modest but positive revenue growth from £12,805 in 2022 to £24,889 in 2024. However, the company is reporting losses (£3,262 in 2024), and its balance sheet shows zero net assets, indicating no tangible equity buffer. The absence of current assets and liabilities suggests minimal operational scale. The company’s ability to service debt is uncertain given its small scale, losses, and lack of working capital. Credit approval should be conditional on obtaining personal guarantees or external security due to the limited financial strength and early-stage trading history.

2. Financial Strength: Weak
   The micro-entity balance sheet reveals no fixed or current assets and no liabilities, resulting in net assets and shareholders’ funds at zero. This indicates that the company is operating with minimal capital and no retained earnings. While no overdrafts or short-term debts appear on the balance sheet, this also implies a lack of financial reserves. The negative profit and loss results over consecutive years reflect ongoing operating losses without equity injection or capital accumulation. The financial position lacks resilience against business shocks or downturns.

3. Cash Flow Assessment: Insufficient Data but Likely Limited Liquidity
   No current assets (cash or receivables) are reported, and no liabilities exist, indicating a very lean working capital structure. The company’s ability to generate positive operating cash flow is questionable given the losses reported. With only two employees and minimal turnover, cash inflows are limited, and the company likely depends on shareholder funding or director support for cash needs. The absence of debt suggests low financial risk but also limited liquidity to cover unexpected expenses or to invest in growth.

4. Monitoring Points:

• Profitability trajectory: Monitor P&L improvements and move towards break-even or positive net profit.
• Cash flow and liquidity: Watch for any increases in current assets or working capital to ensure operational stability.
• Capital injections or financing: Track any new equity or loan facilities to bolster financial strength.
• Director involvement: Maintain oversight of director’s commitment and any personal guarantees provided.
• Filing compliance: Ensure continued timely submission of accounts and confirmation statements to mitigate regulatory risk.