TALENT AND SKILLS HUB LIMITED

Executive Summary

Talent and Skills Hub Limited is an early-stage micro-entity with limited financial strength and negative working capital, indicating weak liquidity and a high credit risk profile. The lack of operational activity and minimal net assets do not support approval for credit facilities at this time. Ongoing monitoring of future financial performance and cash flow generation is essential before reconsidering credit exposure.

TALENT AND SKILLS HUB LIMITED - Analysis Report

Company Number: 14070792

Analysis Date: 2025-07-29 15:41 UTC

1. Credit Opinion: DECLINE
   Talent and Skills Hub Limited is a micro-entity with limited financial history and minimal net assets (£6,575 as of April 2024). The latest accounts show negative net current assets of £1,061, and the company has significant long-term creditors (£7,636). There is no evidence of operational scale or revenue generation, as the company reports zero employees and no profit and loss account filed. The financial position suggests limited ability to service debt or meet increased credit exposure. Without a track record of positive cash flows or profitability, the risk of default is elevated. Therefore, credit facilities are not recommended at this stage.

2. Financial Strength:
   The company’s balance sheet is weak with net current liabilities and a reliance on creditors exceeding current assets. Although net assets improved from £1,967 in 2023 to £6,575 in 2024, this is a modest increase and does not reflect operational earnings but likely capital injections or revaluation. The presence of £7,636 long-term liabilities with no apparent income stream raises concerns about solvency under stress. Overall, the company’s financial strength is fragile, typical for an early-stage micro-entity with limited working capital and no employees.

3. Cash Flow Assessment:
   Current assets of £6,250 mostly comprise cash or equivalents (not explicitly detailed), but are insufficient to cover short-term creditors of £7,311, resulting in negative working capital. The absence of employees and no profit and loss disclosure suggest minimal trading activity and uncertain cash inflows. The company’s liquidity position is constrained, with negative net current assets indicating potential cash flow pressures to meet immediate obligations. This weak liquidity profile undermines confidence in the company’s ability to service new or existing credit lines.

4. Monitoring Points:

• Monitor future filings for profit and loss accounts to assess revenue generation and operational cash flows.
• Watch changes in net current assets and creditors to detect improvements or deterioration in liquidity.
• Track any increase in employee numbers or business activity as indicators of growth and sustainability.
• Review director actions and capital injections to understand funding sources and risk mitigation.