Company Number: 14502436

Analysis Date: 2025-07-29 12:35 UTC

1. Credit Opinion: DECLINE
   365 Earlsfield Limited, incorporated in late 2022, is a very new micro-entity with extremely limited financial history. The latest accounts show a negligible net asset position (£2) and a balance sheet largely offset by a creditor due after more than one year (£18,047), which suggests reliance on long-term liabilities or loans. There is no evidence of operating revenues, profits, or positive cash flow, and no employees are reported. This profile indicates a high credit risk due to minimal capitalization, lack of operating cash generation, and no demonstrated ability to service debt or meet commercial obligations. Without additional financial data or security, extending credit would be imprudent.

2. Financial Strength:
   The balance sheet reveals fixed assets of £18,047 fully matched by creditors falling due after more than one year, leaving net assets at a nominal £2. Shareholders funds are minimal, reflecting no retained earnings or reserves. Current liabilities and current assets are not detailed but total assets less current liabilities are marginally positive, indicating extremely thin working capital. Overall, the company’s financial structure is weak with negligible equity buffer and a dependence on external funding.

3. Cash Flow Assessment:
   No cash flow or profit and loss data is provided, but the absence of employees and the very low net assets imply minimal business activity and likely negative or zero operating cash flows. The reliance on long-term creditors without evidence of income suggests liquidity risk and inability to self-fund operations or service debt from internal resources.

4. Monitoring Points:

• Future filing of detailed accounts showing revenue, profit, and cash flow trends.
• Changes in net assets and equity position indicating capital injections or profitability.
• Working capital metrics as current assets and liabilities become clearer.
• Director conduct and any changes in ownership or financial commitments.
• Payment history on any credit extended and adherence to financial covenants if applicable.