UK EDUENGLISH LTD

Executive Summary

UK EDUENGLISH LTD is a micro-entity with positive but very modest net assets and no liabilities, showing early-stage growth and stable financial standing. It has adequate compliance with filing requirements and a simple operational structure, but limited liquidity and scale constrain its credit capacity. Credit approval is recommended with conditions focused on facility size and ongoing monitoring of liquidity and business development.

UK EDUENGLISH LTD - Analysis Report

Company Number: 13761182

Analysis Date: 2025-07-29 20:50 UTC

Credit Opinion:
APPROVE with conditions. UK EDUENGLISH LTD is a micro-entity with a very modest asset base and low level of operations, but it shows steady growth in net assets and a clean status with no overdue filings or signs of distress. The company’s ability to service debt will be limited to its very small scale of operations and cash resources. Approval for credit should be conditional on the facility being appropriate for a micro business and with close monitoring of liquidity and profitability as it scales.

Financial Strength:
The balance sheet shows net assets of £2,976 as at 30 November 2023, up from £309 in the previous year, indicating growth but still a very small capital base. Current assets consist mostly of cash or equivalent short-term assets, with no fixed assets reported. There are no long-term liabilities, which reduces financial risk but also indicates limited operational leverage. Shareholders’ funds equal net assets, showing no accumulated losses or external debts.

Cash Flow Assessment:
Current assets equal net current assets, suggesting no current liabilities and a positive working capital position. However, total current assets of £2,976 are very limited and imply restricted liquidity. The business is effectively a single-person operation (one employee) and will need to maintain tight working capital management. Lack of detailed cash flow information limits full analysis, but the small scale and absence of liabilities reduce immediate liquidity risk.

Monitoring Points:

• Track growth in turnover and profitability to ensure cash generation improves.
• Monitor monthly cash flow closely given limited liquidity buffer.
• Watch for any increase in liabilities or overdue filings that may indicate financial stress.
• Keep an eye on business expansion plans and capital injections to support scaling.
• Review director appointments and management stability, noting recent addition of a second director in December 2024.