Company Number: 13101769

Analysis Date: 2025-07-20 12:54 UTC

1. Credit Opinion: DECLINE
   Total Amz Solutions Ltd exhibits a persistent net liability position with negative shareholders’ funds (£-14,332 as of 2023), indicating that its liabilities exceed its assets. This situation has remained materially unchanged over the past three years, demonstrating no improvement in financial health. The company is micro-sized and operates in online retail (mail order/Internet sales), but the ongoing working capital deficit and negative net assets suggest it lacks sufficient financial strength to support new or extended credit facilities. Repayment capacity is doubtful given the negative net current assets and absence of positive equity. Management has not demonstrated turnaround or growth capability, which raises concerns about business resilience and financial stewardship.

2. Financial Strength:
   The balance sheet shows current assets of only £9,341 versus current liabilities of £23,673, resulting in a net current liability of £14,332 as of the latest accounts. There are no fixed assets listed, and the company is reliant on current asset turnover to meet short-term obligations. The negative net assets indicate accumulated losses or undercapitalization. Share capital is minimal at £1.00. The financial position is weak, with no apparent buffer to absorb financial shocks or business volatility.

3. Cash Flow Assessment:
   The company’s working capital deficit implies liquidity strain. With net current liabilities exceeding current assets by a significant margin, the business likely faces cash flow challenges in meeting short-term debts. No cash or cash equivalents are reported explicitly, and with limited assets to convert to cash, the company’s ability to service debt or trade creditors on time is questionable. The small size and lack of employees (average one) may limit operational flexibility but also restrict revenue generation capabilities.

4. Monitoring Points:

• Track net current assets and net asset position in future filings to detect any improvement or deterioration.
• Monitor whether the company files accounts on time and if auditors (if required in future) raise any concerns.
• Review director conduct and any changes in management that could impact financial stewardship.
• Watch for changes in business model or capital injections that could improve liquidity and solvency.
• Assess any expansion in operations or increase in turnover that might support better cash flow.