Company Number: 14073109

Analysis Date: 2025-07-19 12:24 UTC

1. Credit Opinion: DECLINE
   SVITLANA CONSULTING LTD is a very small, micro-entity company recently incorporated (2022) with minimal financial activity and no significant net assets or equity. The latest accounts show a net asset position of zero and no net current assets, indicating no working capital buffer. The company accounts for 2024-25 indicate a dormant status with no turnover or profitability data available. There is also a liability due after more than one year (£1,000), but no clear asset base to service this. The absence of positive cash flow, profits, or equity and the company’s early stage with one director controlling 100% limits its creditworthiness for any lending or credit extension.

2. Financial Strength:
   Balance sheet health is weak. Net assets have declined from £194 in 2022 and 2023 to zero in 2024 and 2025. Current assets and liabilities are minimal and roughly equal, providing no working capital cushion. The presence of non-current creditors equal to £1,000 with no corresponding equity or fixed assets highlights potential solvency concerns if liabilities crystallize. The company’s micro-entity status means limited financial disclosures and no audit, restricting transparency. Overall, the financial position is fragile with no retained earnings or capital reserves.

3. Cash Flow Assessment:
   Cash flow data is not provided, but given the company is reported as dormant for the last year and has minimal current assets, it can be inferred liquidity is very limited. The zero net current assets imply that short-term obligations and ongoing expenses may be difficult to meet without external funding or shareholder support. The company likely relies on owner funding given the director’s full ownership and control. This raises concerns regarding the company’s ability to independently generate cash flows sufficient to service debt or supplier credit.

4. Monitoring Points:

• Future filings should be monitored to confirm if the company resumes trading and generates revenue and positive cash flow.
• Watch for changes in net assets and working capital to assess improvement in financial strength.
• Track any new liabilities, especially short-term, that could strain liquidity.
• Director’s funding and any related party transactions should be reviewed for sustainability and impact on credit risk.
• Timely filing of accounts and confirmation statements is currently compliant; maintain vigilance on regulatory adherence.