Company Number: 14617235

Analysis Date: 2025-07-29 19:13 UTC

1. Credit Opinion: APPROVE
   Studio Blanche Limited demonstrates a strong micro-entity financial profile with positive net assets and growing equity within its first two years of operation. The company maintains a healthy working capital position, indicating it can meet short-term obligations. There are no overdue filings or director conduct concerns. Given the company’s current scale and positive financial trajectory, it is creditworthy for small-scale facilities with standard monitoring.

2. Financial Strength:
   The balance sheet shows modest fixed assets (£2,182) reflective of a small design business. Current assets rose significantly from £31,719 to £54,566, mainly cash or receivables, while current liabilities increased only slightly from £8,348 to £9,511. Net current assets nearly doubled to £46,761, supporting liquidity. Net assets and shareholders’ funds increased from £23,527 to £45,100, evidencing retained earnings or capital injections. The capital structure is entirely equity-funded with no long-term debt, suggesting low financial risk.

3. Cash Flow Assessment:
   The company holds strong net current assets, indicating sufficient short-term liquidity to cover liabilities. The increase in prepayments and accrued income (£1,706) is manageable. The absence of debts beyond current liabilities and the growth in working capital suggest good cash flow management. However, detailed cash flow statements are not provided, so ongoing cash generation should be confirmed through future filings.

4. Monitoring Points:

• Maintain watch on working capital trends to ensure liquidity is sustained as the business grows.
• Monitor for any increase in liabilities or introduction of debt which could impact leverage.
• Review future filings for revenue and profitability growth given the company is in a specialized design sector.
• Keep track of director appointments or changes and any related party transactions given single-person control.