T A WATER CONSULTANTS LTD

Executive Summary

T A WATER CONSULTANTS LTD maintains a solid financial footing for a micro-sized consultancy, with strong liquidity and positive net assets, supporting an APPROVE credit opinion. The company’s manageable liabilities and clear director control reduce credit risk, though ongoing monitoring of cash flow and compliance is advised. Overall, the business appears capable of meeting its credit commitments based on current financial data.

T A WATER CONSULTANTS LTD - Analysis Report

Company Number: 13471976

Analysis Date: 2025-07-29 16:56 UTC

1. Credit Opinion: APPROVE. T A WATER CONSULTANTS LTD demonstrates a stable financial position with positive net assets and net current assets over the past three years. The company is micro-sized with low fixed assets but sufficient working capital to meet short-term liabilities. There is no indication of overdue filings or director misconduct, and the sole director holds significant control, which suggests clear management responsibility. Given the company's steady financials and compliance, it is creditworthy for modest lending or commercial credit facilities.

2. Financial Strength: The balance sheet shows net assets of £57,597 as of 30 September 2024, a slight decrease from £61,018 the prior year, but still healthy for a micro-entity. Fixed assets are minimal (£2,313), consistent with a consultancy business model. Current assets (£81,903) comfortably exceed current liabilities (£26,119), resulting in strong net current assets of £55,784, indicating good liquidity and working capital management. The company has maintained positive shareholder funds since incorporation and shows no alarming trends.

3. Cash Flow Assessment: While detailed cash flow statements are not provided, the strong net current assets position and low short-term liabilities suggest adequate liquidity to service debts and operational expenses. The working capital level is robust relative to the size of the company, and no overdue payables or filing penalties are reported. The company’s micro status with only one employee further implies limited cash burn and manageable overheads.

4. Monitoring Points:

• Watch for any decline in net current assets or rising short-term liabilities that could strain liquidity.
• Monitor turnover and profitability trends once available to assess cash generation capacity.
• Confirm continued compliance with filing deadlines to avoid regulatory penalties.
• Track director activity and any changes in ownership/control that might impact governance.