SHORTFIELD UK LIMITED

Executive Summary

Shortfield UK Limited is a financially stable management consultancy with improving liquidity and equity position, demonstrating capability to meet short-term obligations. The company shows prudent financial management with no overdue filings or adverse governance issues. Credit approval is recommended with routine monitoring of working capital and operational performance metrics.

SHORTFIELD UK LIMITED - Analysis Report

Company Number: 14070577

Analysis Date: 2025-07-29 16:04 UTC

1. Credit Opinion: APPROVE
   Shortfield UK Limited demonstrates a solid financial position with positive net current assets and growing shareholders’ funds, indicating capacity to meet short-term liabilities. The company operates in management consultancy with modest employee count and shows prudent control by a single majority shareholder. There are no overdue filings or adverse director conduct records. Given the stable balance sheet, absence of debt overhang, and transparent governance, the company appears capable of servicing credit facilities under standard terms.

2. Financial Strength:
   The balance sheet reveals a net current asset position improving from £20,015 in 2023 to £32,750 in 2024, supported by a stable cash balance (~£40k). Shareholders’ funds increased from £20,015 to £32,750 over the same period, reflecting retained earnings growth and capital preservation. Current liabilities have decreased significantly (from £20,491 to £7,572), enhancing liquidity ratios. The company holds no long-term liabilities or fixed assets reported, consistent with a consultancy business model. Overall, financial strength is solid for its size and stage of development.

3. Cash Flow Assessment:
   Cash at bank remains steady around £40k, sufficient to cover current liabilities comfortably (current liabilities of £7,572 vs cash of £40,322). The net current asset position indicates positive working capital. The reduction in tax and social security liabilities year-on-year suggests improved operational cash flow management. While detailed cash flow statements are unavailable, the available data implies adequate liquidity to support ongoing operations and debt servicing.

4. Monitoring Points:

• Continued growth in retained earnings to ensure capital buffer expansion.
• Maintain low current liabilities relative to cash to protect liquidity.
• Monitor any increase in creditor balances or overdue tax liabilities.
• Watch company turnover and profitability trends once available to confirm operational sustainability.
• Keep track of director changes or ownership structure shifts that could affect governance.