Company Number: 14219464

Analysis Date: 2025-07-29 16:26 UTC

1. Credit Opinion: DECLINE
   360 PRO MANAGEMENT LTD demonstrates negative net current assets and net liabilities of £3,427 as at 31 July 2024, indicating immediate liquidity concerns. The company has no employees and minimal asset base, showing limited operational scale and no evident cash flow to service debt or support credit. The business is very young, incorporated in 2022, with limited financial history and no profit or income data available to suggest growth or financial resilience. The director is also the sole significant controller, which concentrates governance risk. Given these factors, the company’s ability to meet credit obligations is currently weak and does not support an approval for credit facilities.

2. Financial Strength:
   The balance sheet reveals a micro-entity with net liabilities of £3,427, stemming from current liabilities (£19,541) exceeding current assets (£16,114). This negative working capital position indicates the company owes more in the short term than it holds in liquid assets. The absence of fixed assets and minimal equity (£3,427 negative) further weaken financial strength. The company’s financial base is fragile with no retained earnings or reserves, and its micro-entity status limits detailed financial disclosure.

3. Cash Flow Assessment:
   Cash flow visibility is limited due to the micro-entity accounts and lack of detailed profit and loss data. The negative net current assets suggest potential short-term cash flow difficulties in meeting liabilities as they fall due. Without employees or evidence of operational revenue, the company’s working capital management appears insufficient to support ongoing financial commitments. This poses a risk for any credit extension without additional security or guarantees.

4. Monitoring Points:

• Monitor next annual accounts for improvements in net current assets and profitability.
• Watch for any changes in director or significant control structure that might impact governance risk.
• Track working capital trends and liquidity position in interim management accounts if available.
• Review any new debt or credit facilities taken on, and their servicing status.
• Assess operational developments such as employee hires or contract wins indicating growth.