SPW NETWORK CONSULTANCY LTD

Executive Summary

SPW Network Consultancy Ltd is a micro private limited company with a strong initial balance sheet and positive working capital, reflecting prudent financial management by its sole owner-director. Although newly established, the company shows no immediate credit concerns and can be approved for credit facilities with continued monitoring of operational performance and financial growth. Maintaining timely filings and building profitability will be key to sustaining creditworthiness.

SPW NETWORK CONSULTANCY LTD - Analysis Report

Company Number: 15423612

Analysis Date: 2025-07-29 18:45 UTC

1. Credit Opinion: APPROVE – SPW Network Consultancy Ltd is a newly incorporated micro private limited company with its first set of accounts filed on time and showing positive net assets. The company’s financial position is sound for its size and age, with no overdue filings or director concerns. Given the owner-director’s full control and absence of liabilities beyond current creditors, the company demonstrates good initial financial stewardship and clear governance. Credit exposure can be cautiously approved, considering the early stage and limited operating history.

2. Financial Strength: The balance sheet as of 31 January 2025 shows total net assets of £3,543, comprising minimal fixed assets (£208) and current assets (£4,915) significantly exceeding current liabilities (£1,580). This results in healthy positive working capital (£3,335). The company holds all equity as shareholder funds with no reported long-term debt, reflecting a conservative capital structure. The micro entity status limits detailed financial disclosure, but the clean balance sheet and net positive asset base indicate a stable financial footing for a start-up consultancy.

3. Cash Flow Assessment: Current assets are primarily liquid in nature, and with current liabilities well covered by current assets, liquidity appears sufficient to meet short-term obligations. The absence of employees suggests low cash burn rates currently. While detailed cash flow statements are not available due to micro-entity reporting exemptions, the working capital position and lack of debt service obligations imply a comfortable cash flow position for operational needs at this early stage.

4. Monitoring Points:

• Track revenue generation and profitability in subsequent filings to assess business growth trajectory.
• Monitor any increases in current liabilities or capital expenditure that may affect liquidity.
• Review director’s future filings for any changes in ownership or governance that could impact credit risk.
• Watch for timely submission of future accounts and confirmation statements to ensure compliance continuity.
• Evaluate the company's ability to build retained earnings beyond initial capital injections to strengthen equity base.