THE DATA INNOVATION HUB LIMITED

Executive Summary

The Data Innovation Hub Limited is a micro-entity startup with a modest but stable financial base and positive working capital. It currently demonstrates adequate liquidity and no significant debt but lacks operational history and scale. Credit approval is recommended on a conditional basis with close monitoring of cash flow and business development in the near term.

THE DATA INNOVATION HUB LIMITED - Analysis Report

Company Number: NI698006

Analysis Date: 2025-07-20 12:25 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   The Data Innovation Hub Limited is a newly incorporated micro-entity with minimal trading history and limited financial data. It shows positive net assets and working capital, indicating initial financial stability. However, the absence of employees and limited fixed assets suggest the company is in an early stage of development and may have limited operational scale and revenue generation so far. Credit approval should be conditional on monitoring future trading results and cash flow, with cautious limits on exposure.

2. Financial Strength:
   The balance sheet as of 30 June 2024 shows total net assets of £6,715, comprised mainly of current assets (£15,333) against current liabilities (£8,838), resulting in positive net current assets of £6,495. Fixed assets are minimal (£220). The company has no long-term liabilities reported. Shareholder funds equal net assets, reflecting no accumulated losses or external financing. Overall, the financial position is sound but modest in scale, typical for a micro-entity startup.

3. Cash Flow Assessment:
   Current assets include cash or equivalents sufficient to cover current liabilities comfortably, yielding a current ratio of approximately 1.73. This indicates adequate short-term liquidity and working capital to meet immediate obligations. However, with no employees and limited fixed assets, the company’s operational cash flow may be minimal or reliant on shareholder funding or external receipts. Monitoring cash inflows and outflows will be important as the business develops.

4. Monitoring Points:

• Future trading performance and profitability once the company commences full operations.
• Cash flow trends and working capital adequacy in subsequent accounting periods.
• Any changes in liabilities or the need for external financing that could impact solvency.
• Director’s ability to generate revenue and grow the business given 100% ownership and control.
• Filing of subsequent annual accounts and confirmation statements on time.