THE GOOD DEED COMPANY (GIB) LIMITED

Executive Summary

THE GOOD DEED COMPANY (GIB) LIMITED shows early-stage growth with a clean balance sheet and positive net asset trajectory, supporting a low-risk credit profile for limited exposure. The company’s micro size and limited financial history warrant prudent credit limits and ongoing monitoring of cash flow and management stability to mitigate risk. Overall, the business appears capable of meeting modest credit obligations with appropriate oversight.

THE GOOD DEED COMPANY (GIB) LIMITED - Analysis Report

Company Number: 13568538

Analysis Date: 2025-07-29 18:46 UTC

1. Credit Opinion: APPROVE with caution. THE GOOD DEED COMPANY (GIB) LIMITED is a micro-entity with a short operating history since incorporation in 2021. It has demonstrated modest but positive net asset growth and no current liabilities, indicating an absence of immediate financial stress. However, the company is small with limited financial data and modest asset base, so credit limits should be conservative, and approvals should be coupled with regular financial monitoring.

2. Financial Strength: The balance sheet shows steady improvement. Net assets increased from £2,000 at incorporation to £4,100 as of 31 August 2023. Fixed assets are minimal (£2,000), and current assets remain stable at £2,000. The company holds no current or long-term liabilities, reflecting a clean balance sheet but limited leverage or financial depth. Shareholders' funds have doubled in two years, suggesting retained earnings or capital injection, supporting solvency.

3. Cash Flow Assessment: Current assets equal current liabilities (which are nil), resulting in positive net current assets of £2,000. The company reports no creditors due within one year, indicating no short-term liquidity issues. Given the small scale, cash flow is likely tight but manageable. The increase in employees from 2 to 3 suggests some business growth, but working capital remains minimal, so cash management and receivables control will be critical for ongoing liquidity.

4. Monitoring Points:

• Track growth in turnover and profitability (not currently provided) to assess capacity for debt servicing.
• Monitor working capital trends and any emerging liabilities to avoid liquidity squeeze.
• Review director and PSC stability given recent changes; continuity in management supports operational resilience.
• Watch for filing compliance to ensure ongoing transparency and regulatory adherence.
• Assess impact of any business expansion on financial metrics and credit risk.