UR MARKETING CONSULTANTS LIMITED

Executive Summary

UR MARKETING CONSULTANTS LIMITED is currently in a financially weak position with negative net assets and insufficient working capital to cover short-term liabilities, reflecting a fragile liquidity profile. The company’s ability to service debt or extend credit is limited without further capital support or operational improvements. Continued monitoring of financial metrics and management actions is essential before reconsidering credit exposure.

UR MARKETING CONSULTANTS LIMITED - Analysis Report

Company Number: 13751078

Analysis Date: 2025-07-29 20:52 UTC

1. Credit Opinion: DECLINE
   UR MARKETING CONSULTANTS LIMITED demonstrates weak financial health as reflected in its micro-entity accounts. The company shows negative net current assets and total net liabilities of £501 as of 30 November 2023, a deterioration from prior years when net current assets were positive at £3,710. This indicates liquidity stress and a potential inability to meet short-term obligations. The downward trend in net assets and persistent liabilities raise concerns about the company's capacity to service debt or honor credit agreements without external support or capital injection.

2. Financial Strength:
   The balance sheet reveals limited asset base with current assets of only £3,197 against current liabilities of £3,698. The company’s net liabilities position worsened from -£3,710 in 2022 to -£501 in 2023, showing some improvement but still negative equity overall. The absence of fixed assets and shareholder funds confined to just £501 highlights a fragile capital structure. The company’s micro classification and small size limit its financial flexibility, and the negative working capital position undermines its solvency.

3. Cash Flow Assessment:
   The company’s liquidity position is precarious with current liabilities exceeding current assets by £501 in the latest year. This indicates an inability to generate sufficient working capital to cover immediate debts, suggesting reliance on external funding or owner support to maintain operations. The average employee count remains constant at 12-13, implying ongoing operational costs that may strain cash flow further. There is no evidence of significant cash reserves or liquid assets to buffer short-term financial demands.

4. Monitoring Points:

• Net current assets and overall net asset position to track any further improvement or deterioration.
• Timely filing of accounts and confirmation statements to ensure compliance and transparency.
• Director’s capital injections or external financing arrangements to assess support for ongoing operations.
• Business revenue trends and profitability indicators (not provided here) to evaluate operational viability.
• Management’s strategy to resolve negative equity and improve liquidity.