TALENTD1 LIMITED

Executive Summary

TalentD1 Limited is a newly established micro-entity with a negative equity position and negligible current assets, indicating weak financial strength and limited capacity to service debt. The company’s minimal trading history and lack of cash flow evidence present a high credit risk. Approval of credit facilities is not recommended without significant improvement in financial performance and liquidity.

TALENTD1 LIMITED - Analysis Report

Company Number: 13896224

Analysis Date: 2025-07-29 21:01 UTC

1. Credit Opinion: DECLINE
   TalentD1 Limited is a very recently incorporated micro-entity with minimal financial data and a negative net asset position (£-149). The company shows negligible current assets (£1) and no current liabilities reported for the latest year, but an accrual/deferred income balance of £150 suggests some unearned income or deferred expenses. The negative shareholders’ funds and net assets indicate an erosion of equity, which raises concerns about financial stability and capacity to meet financial obligations. The absence of employees and minimal tangible financial activity further limit the assessment of operational viability. The company is still in its early stage with limited trading history and no demonstrated profitability or cash generation, making it a high credit risk.

2. Financial Strength:
   The balance sheet is very thin with only £1 in current assets and no fixed assets or reported liabilities except for accruals/deferred income. The negative net asset position signals that liabilities or obligations exceed assets, albeit on a very small scale. Shareholders’ funds are negative, indicating the company has consumed capital or incurred losses not covered by equity. The filing category as a micro-entity limits detailed financial disclosures, but the minimal asset base and negative equity suggest weak financial strength.

3. Cash Flow Assessment:
   With current assets at only £1 and no reported current liabilities, working capital is nominal and does not provide a meaningful cushion. The company’s cash or equivalents are effectively negligible, and there is no evidence of positive cash flow from operations. The lack of employees and minimal financial transactions indicate limited operational activity, raising concerns about ongoing liquidity and ability to cover day-to-day expenses or service debt.

4. Monitoring Points:

• Monitor future annual accounts for improvements in net assets and equity position.
• Watch for evidence of revenue generation, profitability, and positive cash flow in subsequent filings.
• Track changes in current assets and liabilities to assess liquidity trends.
• Observe any increases in working capital or cash reserves to mitigate liquidity risk.
• Review director and shareholder stability to evaluate management continuity and financial stewardship.