TALENT WISE CONSULTING LTD

Executive Summary

Talent Wise Consulting Ltd exhibits a healthy and improving financial position with robust liquidity and increasing net assets, suitable for supporting credit facilities. The company’s small scale and consistent management reduce risk, supporting a credit approval recommendation. Ongoing monitoring should focus on liabilities and operational profitability to maintain creditworthiness.

TALENT WISE CONSULTING LTD - Analysis Report

Company Number: 13294253

Analysis Date: 2025-07-29 19:01 UTC

1. Credit Opinion: APPROVE
   Talent Wise Consulting Ltd demonstrates a stable and improving financial position with strong net current assets and positive net assets growth over recent years. The company is micro-sized, with no overdue filings and a single director with a consistent presence. The absence of audit requirements and micro-entity reporting standards are appropriate for its size. There is no indication of financial distress or adverse director conduct. Given these factors, the company appears capable of meeting its short-term obligations and managing credit risk effectively.

2. Financial Strength:
   The balance sheet shows a steady increase in net assets from £7,884 in 2021 to £67,037 in 2025, reflecting retained earnings and sound capital management. Fixed assets are modest and stable, implying low asset risk exposure. The company has maintained positive shareholders’ funds throughout, which increased significantly in the latest financial year. Provisions for liabilities remain consistent, not indicating any unusual or escalating contingent liabilities.

3. Cash Flow Assessment:
   Current assets have grown from £16,941 in 2021 to £71,774 in 2025, mainly driven by cash or equivalents and debtors, while current liabilities remain low at £6,426 in the latest year. This results in strong net current assets of £65,348, indicating excellent liquidity and working capital sufficiency to cover short-term liabilities comfortably. The company employs one person, suggesting low payroll obligations relative to asset base.

4. Monitoring Points:

• Watch for any significant changes to provisions for liabilities that could affect net assets.
• Monitor trends in current liabilities to ensure they remain manageable relative to current assets.
• Track turnover and profitability metrics when available, as these were not provided but are important for ongoing credit assessment.
• Confirm continued compliance with filing deadlines and absence of director or governance issues.