SF CONSULTANCY LIMITED

Executive Summary

SF CONSULTANCY LIMITED operates at a very small scale with minimal financial resources and declining liquidity. Its balance sheet and cash flow position do not support additional credit exposure at this time. Close monitoring of cash flow and financial performance is advised before reconsidering credit facilities.

SF CONSULTANCY LIMITED - Analysis Report

Company Number: 13743673

Analysis Date: 2025-07-29 12:43 UTC

1. Credit Opinion: DECLINE
   SF CONSULTANCY LIMITED shows extremely limited financial strength with net assets of just £433 and cash of £583 as at 30 November 2023. The company’s working capital has declined significantly from £1,599 in the previous two years to £433, indicating weakening liquidity. The business has no employees and minimal current liabilities (£150), suggesting very low operational scale. The lack of audit and minimal financial disclosures limit transparency. Given the very small scale, declining liquidity, and limited financial buffer, the company currently lacks the financial resilience to support additional credit facilities or meaningful debt servicing capacity.

2. Financial Strength:
   The balance sheet is very thin with net assets and shareholders’ funds of only £433. Current assets are limited to cash (£583), with minimal trade creditors (£150). There are no fixed assets or other material assets reported. The company is classified as a small entity but is operating at a minimal scale without growth evident. The equity base has eroded from £1,599 to £433 over the last year, reflecting a loss or drawdown of reserves.

3. Cash Flow Assessment:
   Cash on hand is low at £583, down from £3,061 in the prior two years. Despite minimal current liabilities, the cash position is weak and could constrain day-to-day operations. Absence of employees implies limited overheads, but also limited business activity and revenue generation. The company’s net current assets decreased significantly, which raises concerns about its ability to manage working capital needs or service any debt obligations.

4. Monitoring Points:

• Monitor cash balances and working capital closely for any further deterioration.
• Review annual accounts for evidence of profitability or cash inflow improvements.
• Watch for any changes in directors or significant control that might indicate restructuring or risk.
• Track filing compliance and any delays which could signal operational difficulties.