SAFEGUARDING EXPERTS BY EXPERIENCE LTD

Executive Summary

Safeguarding Experts by Experience Ltd is a newly incorporated micro-entity with minimal financial history but showing a positive trend in net assets and cash balances. The company’s financial position is fragile but stable, with adequate liquidity to meet current obligations. Credit approval is recommended on a conditional basis, with strict limits and close ongoing monitoring of cash flow and operational growth.

SAFEGUARDING EXPERTS BY EXPERIENCE LTD - Analysis Report

Company Number: 14334601

Analysis Date: 2025-07-20 15:30 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Safeguarding Experts by Experience Ltd is a very young company, incorporated in 2022, with limited financial history and minimal operating scale. The company shows a small but improving net asset position (£2,375 in 2024, up from £1 in 2023). Cash balances are positive and modestly increasing, and current liabilities are being managed effectively. However, the firm's small size, absence of employees, and limited turnover data restrict full confidence in its ability to service larger credit facilities. Approval is recommended with conditions such as low credit limits and ongoing monitoring.

2. Financial Strength:
   The balance sheet reflects a micro-entity scale with total assets comprised solely of cash (£7,592) and no fixed assets. Current liabilities have reduced from £6,874 in 2023 to £5,217 in 2024, improving net current assets to £2,375. Shareholders' funds have increased commensurately, indicating some retained profits or capital injection. The capital structure is very simple, with only one £1 share issued. Overall, financial strength is weak due to the small equity base and limited asset diversification but stable given the positive net asset and working capital position.

3. Cash Flow Assessment:
   Cash at bank is the primary current asset and has increased slightly year on year, indicating some positive cash flow generation or capital input. The company has no employees and minimal operational overheads, which likely helps maintain liquidity. Current liabilities are manageable and primarily consist of a director’s loan account (£3,171) and tax/accruals. Working capital is positive but very narrow, suggesting limited buffer for unexpected cash flow demands. Liquidity is adequate for now but would be strained by material increases in activity or liabilities.

4. Monitoring Points:

• Cash flow trends and maintenance of positive working capital.
• Evolution of turnover and profitability to support loan servicing capacity.
• Director’s loan account movements and any related party transactions.
• Filing of future accounts and confirmation statements on time.
• Any changes in company status or significant shifts in liabilities.
• Growth in operational scale or staff which might increase financial risk.