ZACH BUSINESS MANAGEMENT LTD

Executive Summary

ZACH BUSINESS MANAGEMENT LTD exhibits initial financial stability with positive net assets and no debt, but its small size and limited trading history restrict full credit confidence. Conditional approval is recommended with close monitoring of turnover growth, profitability, and liquidity to assess ongoing creditworthiness. The company’s management should maintain strong financial controls and timely statutory filings to support future credit facilities.

ZACH BUSINESS MANAGEMENT LTD - Analysis Report

Company Number: 14779084

Analysis Date: 2025-07-19 12:32 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   ZACH BUSINESS MANAGEMENT LTD is a newly incorporated micro-entity operating in residents property management. The company has reported modest turnover (£14,877) and a small profit (£5,047) in its first 13-month period, supported by positive net current assets. While the financial scale is low, the absence of debt and positive net assets indicate initial financial stability. However, limited trading history and low turnover restrict full credit confidence. Approval is conditional upon monitoring future trading performance and cash flow.

2. Financial Strength:
   The company’s balance sheet shows net assets of £5,047, all represented by current assets with no recorded liabilities, which suggests a clean financial position with no borrowing or payable pressures. The micro entity classification and minimal assets reflect the company’s early stage and small scale. Shareholders’ funds equal net assets, indicating no external financing. Overall, the financial strength is weak due to size but stable in terms of solvency and capital structure.

3. Cash Flow Assessment:
   Current assets of £5,047 matched by net current assets show satisfactory short-term liquidity. With no current liabilities recorded, working capital is positive, indicating the company can meet immediate obligations. However, the low turnover and small operational scale imply cash inflows are limited, requiring prudent cash management. The company’s ability to generate consistent cash flow to support growth and debt service remains unproven.

4. Monitoring Points:

• Revenue growth and profitability trends in subsequent accounting periods
• Maintenance of positive working capital and liquidity ratios
• Any emergence of liabilities or debt that could stress cash flow
• Director’s management decisions impacting financial controls and business continuity
• Timely filing of accounts and confirmation statements to ensure compliance and transparency