YOUR OWN STREAM LTD

Executive Summary

Your Own Stream Ltd is a micro-entity with a sound initial balance sheet and positive working capital, reflecting good short-term financial health for a start-up. The company’s sole director and shareholder maintain clear control, and compliance with statutory filings is current. Approval for limited credit facilities is appropriate, with attention to cash flow development and operational scale as the business matures.

YOUR OWN STREAM LTD - Analysis Report

Company Number: 15438331

Analysis Date: 2025-07-29 14:18 UTC

1. Credit Opinion: APPROVE
   Your Own Stream Ltd is a newly incorporated micro-entity with modest but positive net assets and current assets exceeding current liabilities by a comfortable margin. The company is active, compliant with filing deadlines, and controlled by a single director with full ownership and voting rights, suggesting clear management control. Although limited financial history restricts trend analysis, the clean balance sheet and working capital position indicate the company currently has the ability to meet short-term obligations. Given the micro scale and nascent stage, credit exposure should remain modest, but approval is justifiable for small credit facilities or trade terms.

2. Financial Strength:
   The balance sheet as at 31 January 2025 shows total net assets of £1,479 with fixed assets valued at £457 and net current assets of £1,022. Current assets of £1,937 exceed current liabilities of £915, supporting a positive working capital position. Shareholders’ funds equal net assets, reflecting no long-term debt or external financing. The company's micro classification and one-employee size limit financial complexity but also imply limited operational scale and capital base.

3. Cash Flow Assessment:
   Current assets primarily represent liquid or short-term assets sufficient to cover current liabilities, indicating reasonable liquidity. The net current assets of £1,022 provide a buffer for working capital needs. However, detailed cash flow statements are not available, so ongoing cash generation capacity and timing of receivables and payables remain unknown. Close monitoring of cash flows is advisable as the company develops.

4. Monitoring Points:

• Maintain timely filing compliance to avoid penalties and potential credit risk signals.
• Monitor growth in turnover and profitability once trading data is available to assess sustainability.
• Watch working capital trends and cash flow statements in future accounts for signs of liquidity stress.
• Review director conduct and ownership continuity, as the company is tightly controlled by one individual.
• Ensure risk mitigation for concentration if the business depends heavily on a limited customer base or contracts.