TECH SOLUTIONS AND ADVISORY LIMITED

Executive Summary

TECH SOLUTIONS AND ADVISORY LIMITED is a micro-entity start-up with minimal financial resources and no operating history to demonstrate creditworthiness. Its current balance sheet shows very limited assets and working capital, resulting in high credit risk. Credit facilities should be declined until the company establishes a stronger financial track record and cash flow generation capability.

TECH SOLUTIONS AND ADVISORY LIMITED - Analysis Report

Company Number: 15206777

Analysis Date: 2025-07-29 21:05 UTC

1. Credit Opinion: DECLINE
   TECH SOLUTIONS AND ADVISORY LIMITED is a newly incorporated micro-entity with minimal financial history and very limited net assets (£100). The company’s balance sheet shows negligible working capital and a very small asset base, indicating no significant financial buffer or operational scale. With only one employee and no reported revenue or profitability details, the company lacks demonstrated capacity to generate sufficient cash flow to service debt or honor credit facilities. The absence of audited accounts or detailed financial performance further constrains credit appraisal. Given these factors, the credit risk is high, and approval for credit facilities is not recommended at this stage.

2. Financial Strength:
   The company’s financial strength is currently very weak. Net current assets stand at just £100, reflecting a fragile liquidity position. Total assets and shareholder funds are minimal, consistent with a start-up in its first year of existence. The balance sheet indicates the company is at the micro entity threshold with no fixed assets or retained earnings. There is no evidence of capital injection beyond the initial £100 equity. This limited financial base suggests vulnerability to unforeseen expenses or downturns.

3. Cash Flow Assessment:
   Cash flow cannot be fully assessed due to lack of detailed income or cash flow statements. However, the marginal net current assets and current liabilities nearly equal to current assets imply tight working capital management and potentially limited cash reserves. The company’s ability to cover short-term obligations or fund growth internally appears very constrained. Without established revenue streams or cash generation history, liquidity risk is elevated.

4. Monitoring Points:

• Monitor future filed accounts for evidence of revenue growth and profitability.
• Review updates on working capital trends and any capital injections.
• Track director changes and any new financing arrangements.
• Watch for timely filing of accounts and confirmation statements to assess governance discipline.
• Evaluate operational scale and client contract wins to gauge business development progress.