YIFAN NAIRN COACHING LTD

Executive Summary

YIFAN NAIRN COACHING LTD is a small, early-stage coaching business with a minimal financial footprint but no immediate liabilities. It demonstrates compliance with statutory requirements and has a modest positive working capital position. Credit approval is recommended with caution and limits, pending evidence of business growth and improved financial resilience.

YIFAN NAIRN COACHING LTD - Analysis Report

Company Number: 13952587

Analysis Date: 2025-07-20 14:39 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   YIFAN NAIRN COACHING LTD is a micro-entity with a simple structure and minimal financial activity. The company is active and has filed accounts on time with no overdue filings, which supports compliance and operational legitimacy. However, the financial scale is very small, with net assets of only £500 and no fixed assets, reflecting a startup or early-stage business with limited resources. The absence of current liabilities indicates no immediate debt burden, but also minimal working capital. Given these factors, credit facilities may be cautiously approved but subject to ongoing monitoring and limits on exposure, as the company’s ability to service larger debts is unproven.

2. Financial Strength
   The balance sheet shows a stable but very modest financial position. Net current assets are £1,000, with no fixed assets, indicating the company operates with minimal capital investment. The net assets and shareholders’ funds stand at £500, which is low but positive. A £500 provision for liabilities reduces net assets slightly but appears manageable. The company’s micro status and single employee suggest a low cost base but also limited scale to generate significant revenues or profits. There is no indication of debt financing or external borrowings. Overall, financial strength is weak but not negative, typical of an embryonic coaching business.

3. Cash Flow Assessment
   Current assets of £1,000 with zero current liabilities suggest there are no immediate liquidity pressures, but also limited cash reserves. The company’s working capital position is positive but minimal, suitable for its small size and activity level. The consistency of current assets year-on-year indicates stable but low cash flow. Without detailed profit and loss data, it is assumed that cash inflows from coaching services are modest and reinvested to maintain operations. The lack of trade creditors or overdrafts is positive from a credit risk perspective. Nonetheless, the company has limited buffer to absorb financial shocks or increased working capital demands.

4. Monitoring Points

• Revenue growth and profitability trends as the business develops beyond its micro entity stage.
• Liquidity position including cash balances and receivables to ensure ongoing ability to meet short-term obligations.
• Any increase in liabilities or introduction of debt financing which could impact solvency.
• Director conduct and continued compliance with filing deadlines.
• Market demand for coaching services and competitive positioning under SIC code 85590.