Company Number: 14781182

Analysis Date: 2025-07-20 15:58 UTC

1. Credit Opinion: APPROVE, subject to standard monitoring. Galaxy360 Consulting Limited is a newly incorporated micro entity with a clean operating status and no overdue filings. The company shows a positive net asset position and low liabilities in its first reported financial year. The director holds full control and appears to have sound stewardship. However, the company’s trading history is limited to one year, and the scale is very small, so credit exposure should be modest and closely monitored as the business develops.

2. Financial Strength: The balance sheet as of 30 April 2024 shows total current assets of £655 against current liabilities of £40, resulting in net current assets of £615. After accounting for provisions of £95, net assets and shareholders’ funds stand at £520. There are no fixed assets reported, indicating an asset-light structure typical for a small agent business. The positive equity and minimal liabilities indicate a stable financial position for a micro-sized startup.

3. Cash Flow Assessment: With £655 in current assets (likely cash and receivables) and only £40 in short-term creditors, liquidity appears adequate to meet immediate obligations. The net current assets of £615 provide a comfortable working capital buffer. The average employee count is 1, which suggests low operating expenses and limited cash burn. However, detailed cash flow statements are not provided, so ongoing cash generation capacity needs to be confirmed through future trading performance and management updates.

4. Monitoring Points:

• Track revenue growth and profitability as the company establishes its trading record beyond the initial year.
• Monitor debtor days and creditor management to ensure working capital remains positive.
• Watch for any increase in provisions or liabilities that may impact net asset levels.
• Observe director’s compliance with filing deadlines and governance as the company grows.
• Review any material changes in business model or scale that could affect credit risk.