Company Number: 14802453

Analysis Date: 2025-07-29 17:00 UTC

1. Credit Opinion: APPROVE with low to moderate risk
   SVH Consultancy Limited is a newly incorporated micro private limited company with its first financial year completed. The company shows a positive net asset position of £10,936 and net current assets of the same amount, indicating that current liabilities are fully covered by current assets. The company is owned and controlled wholly by a single director, Sejal Chana, who appears committed and has maintained compliance with filing deadlines. Although trading history is limited due to recent incorporation, the absence of overdue filings and positive working capital support an ability to meet short-term obligations. Given the company’s micro size and early stage, credit exposure should remain limited and monitored closely as trading progresses.

2. Financial Strength:
   The balance sheet shows total net assets of £10,936, all reflected as working capital since no fixed assets are reported. The company’s capital and reserves equal net assets, indicating no accumulated losses or outstanding debt beyond current liabilities. Current assets of £25,895 exceed current liabilities of £14,959, providing a current ratio of approximately 1.73, which is satisfactory for a micro entity. The absence of borrowings or long-term liabilities reduces financial risk but also implies limited external funding history.

3. Cash Flow Assessment:
   While detailed cash flow statements are not provided, the positive net current assets suggest liquidity is adequate to cover immediate liabilities. The company’s small scale and single employee suggest low fixed overheads. However, as a new business, cash flows may fluctuate and depend heavily on client receipts and operational efficiencies. There is no indication of overdrafts or creditor pressure at this stage.

4. Monitoring Points:

• Track subsequent financial periods for revenue growth and profitability to assess sustainability.
• Monitor cash flow statements once available to confirm ongoing liquidity and working capital management.
• Watch for any changes in director or ownership structure that may impact governance or financial control.
• Review any credit applications for increased exposure carefully given limited trading history.
• Ensure continued compliance with filing deadlines to avoid regulatory penalties.