Z&N CONSULTING LIMITED

Executive Summary

Z&N Consulting Limited, a micro-entity IT consultancy established in 2022, demonstrates sound financial health with positive working capital and compliance with filing requirements. While the company benefits from stable equity and liquidity metrics, its limited operating history and small capital base warrant further investigation into asset quality and business sustainability. Overall, the risk profile is low, subject to verification of operational and contractual details.

Z&N CONSULTING LIMITED - Analysis Report

Company Number: 14121995

Analysis Date: 2025-07-29 17:25 UTC

1. Risk Rating: LOW
   Z&N Consulting Limited exhibits a healthy net current asset position with positive working capital and no overdue statutory filings. The company is financially stable within its micro-entity scale and has no indications of insolvency or liquidity distress.

2. Key Concerns:

• Limited financial history due to recent incorporation in 2022, restricting trend analysis and comprehensive risk assessment.
• Small share capital (£2) may reflect limited initial equity buffer, though current reserves mitigate this concern.
• Dependence on two directors who are also the primary shareholders; potential governance risk if either departs or conflicts arise.

3. Positive Indicators:

• Consistent growth in net current assets from £60.5k (2023) to £67.2k (2024), indicating improving liquidity and operational cash flow.
• No overdue accounts or confirmation statements, demonstrating good regulatory compliance and governance discipline.
• Positive shareholders’ funds and total assets exceeding current liabilities suggest solvency and financial stability.
• Director advances were fully repaid in 2024, reflecting prudent financial management and no outstanding director debts.

4. Due Diligence Notes:

• Verify nature and sustainability of current assets, particularly the composition of cash, trade receivables, or other short-term assets.
• Review contractual obligations and creditor terms underlying the £42.5k current liabilities to assess liquidity pressure points.
• Assess business model and revenue stability given the IT consultancy sector and small employee base (average 2 employees).
• Confirm absence of director disqualifications or adverse regulatory actions, considering both directors are foreign nationals resident in the UK.
• Obtain management accounts or cash flow forecasts to supplement limited historical financial data.