SIGNIFICATIO LTD

Executive Summary

Significatio Ltd is a micro-entity in its first year of operation, showing a clean balance sheet with no liabilities but limited financial depth. Credit approval should be conditional pending evidence of operational trading and cash flow generation. Close monitoring of liquidity and compliance filings is advised to mitigate early-stage risk.

SIGNIFICATIO LTD - Analysis Report

Company Number: 14671743

Analysis Date: 2025-07-29 20:18 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Significatio Ltd is a newly incorporated micro private limited company with minimal financial history. The absence of any liabilities and a positive net asset position indicate no immediate credit risk. However, given the very small scale (one employee, minimal assets, and low current assets) and lack of trading history beyond the first year, credit approval should be conditional on obtaining additional financial information or trading performance updates before extending significant credit facilities.

2. Financial Strength:
   The company’s balance sheet at year-end 28 February 2024 shows current assets of £1,664 and no current liabilities, resulting in net current assets of £3,637 when considering accrued income and deferred income adjustments. Shareholders’ funds stand at £1,664, reflecting the initial capital injection. Fixed assets are nil, indicating no long-term tangible investments. Overall, the financial strength is minimal but solvent with no debt burden.

3. Cash Flow Assessment:
   Cash or cash equivalents are not explicitly disclosed but current assets of £1,664 likely include cash or receivables. The absence of creditors and liabilities suggests no immediate liquidity concerns. However, the company’s working capital base is very small and would be insufficient to support any material increase in operations or short-term obligations without further capital or cash inflow. Monitoring cash flow closely is critical due to the early stage of the company.

4. Monitoring Points:

• Future trading results and revenue growth to establish sustainable cash flow.
• Timely filing of next accounts and confirmation statements to ensure regulatory compliance.
• Any increase in current liabilities or borrowings that could stress liquidity.
• Director changes or significant transactions impacting control or financial stability.
• Payment behavior on any extended credit facilities.