TFCC COACHING GROUP LLP

Executive Summary

TFCC Coaching Group LLP is a recently formed micro-entity with a solid initial balance sheet and positive working capital, indicating satisfactory short-term financial health. The absence of external debt and clear member control support a sound credit profile for modest lending. Continued monitoring of profitability and cash flow metrics is recommended as the business matures.

TFCC COACHING GROUP LLP - Analysis Report

Company Number: OC446230

Analysis Date: 2025-07-20 18:56 UTC

1. Credit Opinion: APPROVE

TFCC Coaching Group LLP is a newly incorporated micro-entity LLP with a clean filing record and no overdue accounts or returns. The latest balance sheet shows positive net assets and a healthy net current asset position, indicating initial financial stability. The company employs a small workforce (4 employees) and does not currently carry any member loans or debts. The designated members show clear control and responsibility, which suggests sound governance at this early stage. Given the absence of financial distress indicators and strong working capital, the company has the capacity to meet short-term obligations and service modest credit facilities. Approval is recommended with standard monitoring due to limited operating history.

2. Financial Strength:

• Fixed Assets: £10,023
• Current Assets: £33,258
• Current Liabilities: £20,652
• Net Current Assets (Working Capital): £12,606
• Total Net Assets: £21,379 (members’ interests only)

The balance sheet structure reflects a micro-entity with modest asset base and positive equity. The net current assets cover current liabilities by a comfortable margin (approx. 1.6x), supporting liquidity. No external debt or loans from members are reported, reducing financial risk. The LLP’s financial strength is adequate for its size and stage, though profit and loss data is unavailable, limiting trend analysis.

3. Cash Flow Assessment:

Current assets and net current assets suggest reasonably good liquidity. Cash equivalents and short-term receivables appear sufficient to cover immediate payables. However, absence of profit and loss accounts and cash flow statements restricts a full evaluation of operational cash generation and sustainability. The company’s ability to maintain positive cash flows will rely on ongoing business performance and effective working capital management. Given the current asset-liability position, short-term liquidity risk appears low.

4. Monitoring Points:

• Monitor profitability trends when profit and loss accounts become available to assess operational viability.
• Watch changes in working capital, especially current liabilities growth relative to current assets.
• Track any borrowing or member loans that might affect leverage and debt service capacity.
• Review any changes in membership or control that could impact governance.
• Monitor employee growth and associated overheads as business scales.