WOMEN LEADING IN ARTIFICIAL INTELLIGENCE

Executive Summary

Women Leading In Artificial Intelligence is an early-stage, small-scale organisation with positive but declining net assets and modest liquidity. While it currently maintains a small working capital buffer, its limited financial strength and asset base warrant a conditional credit approval with cautious exposure and close monitoring. Continuous assessment of liquidity and operational performance will be essential to mitigate credit risk.

WOMEN LEADING IN ARTIFICIAL INTELLIGENCE - Analysis Report

Company Number: 13871168

Analysis Date: 2025-07-29 19:37 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Women Leading In Artificial Intelligence is a micro-entity limited by guarantee with modest financial resources. The company shows positive net current assets and net assets, indicating working capital adequacy and a positive equity position. However, the declining net assets from £1,518 in 2023 to £219 in 2024 signal weakening capital buffer. The absence of fixed assets and limited current assets suggests limited collateral value. Given these factors, credit facilities could be considered but with conditions such as low exposure limits, frequent monitoring, and possibly requiring personal guarantees or additional security.

2. Financial Strength:
   The balance sheet reflects a small, early-stage organisation with minimal fixed assets and limited cash/current assets (£719 in 2024). Net current assets remain positive at £219, but have decreased significantly from £1,279 in the prior year. This decline may reflect increased liabilities or reduced cash inflows. Shareholders’ funds also decreased commensurately, indicating erosion of retained reserves or accumulated losses. Overall, the financial strength is weak but not critical, consistent with a micro-entity in a niche professional services sector.

3. Cash Flow Assessment:
   Current liabilities of £500 against current assets of £719 provide a modest working capital buffer. The company’s liquidity position is tight but positive. The average employee count is stable at 7, implying ongoing operational expense commitments. Without detailed P&L or cash flow statements, it is prudent to assume limited cash flow generation and dependence on external funding or member contributions. The absence of significant fixed assets also limits the ability to leverage assets for liquidity.

4. Monitoring Points:

• Track changes in net current assets and net liabilities each period to detect early signs of liquidity stress.
• Monitor accounts filing timeliness and any changes in company status or director appointments.
• Review any future increases in liabilities or delayed payables that could strain cash flow.
• Assess developments in operational scale or revenue generation to improve financial resilience.
• Watch for any director conduct issues or governance changes that might affect credit risk.