ACETHERIX HEALTHCARE LTD

Executive Summary

A & M Pharmacies (Mount Nod) Limited is a very small, micro-entity with an essentially dormant financial profile and minimal asset base. The company currently lacks any demonstrable trading activity or cash flow to support credit facilities. Given the limited financial strength and absence of operational data, the recommendation is to decline credit until substantial trading performance and financial robustness are evidenced.

A & M PHARMACIES (MOUNT NOD) LIMITED - Analysis Report

Company Number: 13799989

Analysis Date: 2025-07-29 16:57 UTC

1. Credit Opinion: DECLINE
   A & M Pharmacies (Mount Nod) Limited demonstrates extremely limited financial activity and scale. With only £100 in current assets and net current assets, the company is effectively dormant in trading terms and lacks any meaningful financial buffer or capital base to service debt or absorb shocks. The absence of revenues, liabilities, or any profit/loss data indicates it is unlikely to generate sufficient cash flow to meet credit obligations. The micro-entity status and minimal asset base suggest no demonstrated operational or financial traction since incorporation in late 2021. Without evidence of trading performance or working capital, credit risk is high.

2. Financial Strength:
   The balance sheet is minimal and static over three years, showing current assets and net current assets of £100 consistently, with shareholders’ funds also at £100. There are no fixed assets or liabilities reported. This implies negligible business operations or financial substance. The company’s net assets are nominal and do not provide any cushion against adverse events. Such a flat and insubstantial financial position indicates very weak financial strength, unsuitable for supporting credit exposure.

3. Cash Flow Assessment:
   The financial information lacks any detail on cash flows, revenues, or expenses. The working capital position is positive but trivial (£100), reflecting only a nominal cash or equivalent balance. There is no indication of operating cash inflows or liquidity reserves for operational needs or debt servicing. This severely limits the company’s ability to maintain ongoing commitments or repay loans, highlighting liquidity risk.

4. Monitoring Points:

• Filing of full accounts with profit/loss and cash flow statements to assess operational performance.
• Changes in current assets and liabilities to detect any business activity or growth.
• Director changes and ownership structure updates for governance stability.
• Any new borrowing or credit requests should be supported by robust financial forecasts and evidence of revenue generation.