Company Number: 15054955

Analysis Date: 2025-07-20 12:41 UTC

1. Credit Opinion: APPROVE (with standard monitoring) Trifecta Talent Ltd is a newly incorporated micro-entity with a clean financial record and no overdue filings. The company has positive net current assets (£101,749) indicating sufficient short-term liquidity to meet obligations. The three directors hold balanced significant control and are actively involved. While trading history is limited (one year), there is no evidence of financial distress or management concerns. Approval is recommended for modest credit facilities appropriate to their scale, subject to monitoring due to limited operating history.

2. Financial Strength: The company’s balance sheet shows total current assets of £156,614 against current liabilities of £57,160, resulting in net current assets of £101,749. Net assets equal £101,749, reflecting healthy equity relative to the micro-entity size. There is no long-term debt or fixed assets disclosed, consistent with a service-based employment placement agency. Share capital is nominal (£130), indicating initial funding is minimal but sufficient for start-up operations. Overall, the financial position appears sound and adequately capitalized for current business scale.

3. Cash Flow Assessment: Current assets likely include cash and receivables, which comfortably cover short-term liabilities. The net working capital position is positive and sizeable relative to liabilities, implying good liquidity and operational cash flow management. The company employs on average two people, suggesting limited payroll exposure. No cash flow statements are available, but the balance sheet snapshot supports a stable liquidity position with room to absorb short-term fluctuations.

4. Monitoring Points:

• Revenue and profitability growth over the next 1-2 years to confirm business viability and ability to service increased credit.
• Timely filing of next annual accounts and confirmation statement.
• Changes in director appointments or PSC structure that may impact governance.
• Working capital trends and any increase in liabilities that could pressure liquidity.
• Any significant capital expenditure or borrowing that could affect financial stability.