Company Number: 14723442

Analysis Date: 2025-07-19 12:06 UTC

Credit Opinion: DECLINE
SA&SK CONSULTANCY LIMITED is a newly incorporated micro private limited company with a very limited financial track record. The latest accounts to 31 March 2024 show a negative net asset position (£-3,427) and negative working capital (£-3,711), indicating that current liabilities exceed current assets. This weak financial position, combined with no recorded employees or operational history, suggests the company currently lacks the financial strength and operational stability to reliably service debt or credit facilities. The director is also the sole significant controller, concentrating risk in one individual. Given these factors, credit approval at this stage is not advisable.

Financial Strength:

• Fixed Assets: £284 (minimal tangible asset base)
• Current Liabilities: £3,711
• Net Current Assets: £-3,711 (negative working capital)
• Shareholders’ Funds: £-3,427 (negative equity)

The balance sheet shows the company is undercapitalised with a deficit in net assets and net current liabilities, signifying potential liquidity challenges. The absence of employees and minimal fixed assets means the company is likely in a startup or pre-trading phase.

Cash Flow Assessment:
The accounts do not disclose an explicit cash flow statement, but the negative net current assets and absence of operational data imply limited liquidity. The company may rely on director funding or external capital injections to maintain operations. Without positive cash flows or working capital cushions, the company is vulnerable to cash shortfalls.

Monitoring Points:

• Monitor subsequent annual accounts for improvement in net assets and working capital.
• Track growth in turnover and profitability to assess operational viability.
• Observe director funding or external financing activities to support liquidity.
• Review any changes in director or ownership structure that may impact governance and financial support.
• Watch for timely filing of accounts and confirmation statements to ensure compliance and transparency.