SEEN HEARD VALUED LTD

Executive Summary

SEEN HEARD VALUED LTD is a micro-entity with a clean and modest balance sheet showing positive working capital and net assets. The company is fully controlled by a single director and has complied with filing requirements. While there is limited operational history, current financials suggest adequate liquidity and no immediate credit concerns, recommending cautious approval with ongoing monitoring of cash flow and profitability metrics.

SEEN HEARD VALUED LTD - Analysis Report

Company Number: 14602735

Analysis Date: 2025-07-29 21:23 UTC

1. Credit Opinion: APPROVE with caution. SEEN HEARD VALUED LTD is a newly incorporated micro-entity with modest assets and net positive working capital. The company shows no signs of financial distress, has no overdue filings, and is wholly controlled by a single director/shareholder with apparent stable governance. However, limited trading history and absence of profit/loss data warrant ongoing monitoring before extending significant credit facilities.

2. Financial Strength: The balance sheet as of 31 January 2024 reflects total net assets of £2,938, consisting primarily of £998 fixed assets and £3,620 current assets against £1,680 current liabilities. The net current assets of £1,940 indicate adequate short-term financial stability and working capital sufficiency for its micro scale. Shareholders’ funds equal net assets, indicating no external debt and a clean equity structure.

3. Cash Flow Assessment: Current assets (likely including cash and receivables) exceed current liabilities by a healthy margin, supporting liquidity. The company employs one individual, consistent with its micro status, suggesting low operating overheads. Without detailed P&L or cash flow statements, precise cash generation capacity is unclear, but the positive working capital and no external borrowings suggest manageable liquidity risk currently.

4. Monitoring Points:

   • Profitability and cash flow trends as trading history develops.
   • Timely submission of next accounts and confirmation statement.
   • Changes in ownership structure or director appointments.
   • Growth in current liabilities relative to current assets to detect liquidity strain.
   • Any material changes in business activity or sector risks in business support services.