UMBRELLA CONSULTANCY LIMITED

Executive Summary

Umbrella Consultancy Limited is a micro-entity with minimal financial resources and a very slim equity base, reflecting its early-stage and small scale. While it remains compliant and active, its limited working capital and net assets constrain its capacity to service debt beyond very modest levels. Credit approval is possible on a conditional basis, with low exposure and close monitoring recommended to mitigate liquidity and operational risks.

UMBRELLA CONSULTANCY LIMITED - Analysis Report

Company Number: 13888841

Analysis Date: 2025-07-20 19:04 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Umbrella Consultancy Limited is a very small, micro-entity with a limited financial footprint and minimal working capital. While it is currently active and compliant with filing deadlines, its net assets and working capital remain extremely low (£182 net assets as of 2023 year-end). The company’s ability to service any significant debt is constrained by its minimal financial resources and limited scale of operations. Approval for credit facilities could be considered on a conditional basis subject to low exposure limits and potentially additional security or personal guarantees due to the modest financial strength.

2. Financial Strength
   The company’s balance sheet shows marginal net assets of £182, up from £14 the previous year, indicating very slight growth but still very limited equity. Current assets and liabilities are nearly matched (£7,509 and £7,327 respectively), resulting in very thin net current assets of £182. No fixed assets are reported, and the company operates with just one employee (the director). This minimal asset base and equity position is typical of a micro-entity start-up but does not provide a strong buffer for financial shocks.

3. Cash Flow Assessment
   Given the near breakeven working capital position and very low net assets, liquidity is tight. The company’s cash and equivalents within current assets are not specified but are likely limited given the low total current assets. The micro size and lack of significant creditors suggest limited short-term cash flow risk, but the company has little margin for unexpected expenses or downturns. Ongoing monitoring of cash inflows from operations and debtor management is critical.

4. Monitoring Points

• Monitor forthcoming annual accounts for growth in net assets and working capital improvements.
• Track promptness and completeness of financial and confirmation statement filings to ensure compliance.
• Watch for any significant increases in current liabilities that could strain liquidity.
• Review director’s credit standing and any changes in ownership/control for governance risk.
• Assess operational cash flow trends as the company grows or takes on credit facilities.