STREAMING TALENT LIMITED

Executive Summary

Streaming Talent Limited demonstrates a solid financial position with strong working capital and a robust equity base, supporting its capacity to meet current obligations. While there is a slight decline in financial strength and cash balances compared to the prior year, these do not currently impair creditworthiness. Approval is recommended with ongoing monitoring of liquidity and equity trends to manage potential risks.

STREAMING TALENT LIMITED - Analysis Report

Company Number: 13172537

Analysis Date: 2025-07-29 16:58 UTC

1. Credit Opinion: APPROVE with caution. Streaming Talent Limited shows a strong liquidity position and a healthy working capital surplus, indicating good short-term ability to meet debt obligations. However, the slight decline in net current assets and shareholders' funds from £522,728 in 2023 to £440,855 in 2024 suggests some weakening financial performance or asset reduction that warrants monitoring. The company is relatively new (incorporated 2021) but maintains stable directors with no adverse records. Overall, the risk is low but continued monitoring of profitability and cash flow trends is advised before extending significant credit.

2. Financial Strength: The balance sheet reveals solid financial strength for a small private limited company. Shareholders’ funds of £440,855 and net current assets of £435,159 provide a robust equity base relative to liabilities. Fixed assets of £5,696 are minimal, indicating an asset-light business model typical for a service-based company. The company holds substantial current asset investments (£266,996), which improves asset liquidity and provides a buffer against operational risks. The decline in shareholders’ funds by approximately £81,873 between 2023 and 2024 should be investigated but does not currently undermine solvency.

3. Cash Flow Assessment: The company maintains a healthy liquidity position with cash at bank of £125,287 and relatively low current liabilities of £43,955 as of March 2024. Net current assets remain positive at £435,159, showing strong working capital. However, cash decreased from £207,747 in 2023, indicating that cash reserves may be reducing. Debtor balances also fell to £86,831 from £115,786, which could reflect improved collections or reduced sales. The presence of listed investments provides additional liquidity options. Overall, the company appears capable of servicing short-term liabilities but should be monitored for cash flow trends.

4. Monitoring Points:

• Track the continuing trend in shareholders’ funds and net current assets to ensure no further erosion of equity.
• Monitor cash flow patterns, particularly the decline in cash reserves, to detect any liquidity stress early.
• Review debtor aging to confirm efficient collection efforts and avoid bad debts.
• Assess profitability metrics when available, as current accounts do not include an income statement.
• Keep watch on tax and social security liabilities as these constitute the majority of current liabilities (£39,769).