SUSTAINABLE SMART SOLUTIONS LTD

Executive Summary

Sustainable Smart Solutions Ltd exhibits stable financial metrics with positive net assets and healthy working capital, supporting its ability to meet short-term obligations. As a micro-entity with limited operating history, credit approval is recommended with careful monitoring of liquidity and operational developments. Continued timely compliance with statutory filings and cash flow management are key to maintaining creditworthiness.

SUSTAINABLE SMART SOLUTIONS LTD - Analysis Report

Company Number: 13217276

Analysis Date: 2025-07-29 12:17 UTC

1. Credit Opinion: APPROVE with conditions. Sustainable Smart Solutions Ltd demonstrates a stable financial position with positive net assets and working capital. However, as a micro-entity with modest asset base and limited financial history (incorporated in 2021), the company carries some inherent risk typical of early-stage SMEs. Approval is recommended contingent upon continued positive cash flow and timely filing of accounts and confirmation statements.

2. Financial Strength: The company’s balance sheet shows total net assets of £43,612 as of 28 February 2024, up slightly from £45,156 the prior year, indicating stable equity. Fixed assets have decreased from £25,000 to nil, suggesting possible disposal or write-off of long-term assets, but current assets have increased to £76,243, improving liquidity. Current liabilities have decreased slightly to £32,631. Overall, the company maintains positive net current assets (£43,612), reflecting adequate short-term financial health.

3. Cash Flow Assessment: Current assets exceeding current liabilities by £43,612 indicates a comfortable working capital position for a micro-entity. The increase in current assets implies good liquidity to meet short-term obligations. The company employs 3 staff, consistent with its micro classification, suggesting limited fixed overheads. However, absence of fixed assets may imply reliance on intangible assets or external resources, which could impact cash flow stability.

4. Monitoring Points:

• Track quarterly cash flow statements to ensure liquidity remains sufficient to service debt and operational expenses.
• Monitor any changes in current liabilities, particularly short-term borrowings or trade payables, which could pressure working capital.
• Review management’s plans regarding fixed assets or capital expenditure, as the removal of fixed assets may affect operational capacity.
• Confirm ongoing compliance with filing deadlines to avoid regulatory penalties.
• Observe contract wins or client diversification given the company’s consultancy and software development activities in environmental and IT sectors.