ACUMEN PROPERTY SOLUTIONS LTD

Executive Summary

ACUMEN PROPERTY SOLUTIONS LTD is a micro-entity with a deteriorating financial position, negative equity, and significant liquidity constraints. The company currently lacks the financial strength and cash flow capacity to support new credit facilities. Continued monitoring is essential due to the high risk associated with its weak balance sheet and working capital deficiencies.

ACUMEN PROPERTY SOLUTIONS LTD - Analysis Report

Company Number: 13043341

Analysis Date: 2025-07-20 11:44 UTC

1. Credit Opinion: DECLINE
   ACUMEN PROPERTY SOLUTIONS LTD shows a significantly negative net asset position as of the latest accounts (Nov 2023), with shareholders' funds deteriorating from -£8,957 in 2022 to -£30,956 in 2023. The company is a micro-entity with very minimal current assets (£46) against current liabilities of £31,002, indicating a severe liquidity shortfall. The ongoing net current liabilities position and absence of positive equity suggest the company lacks the financial strength to service additional debt or credit facilities reliably. The company has only one employee (the director) and minimal operational scale, increasing risk.

2. Financial Strength:
   The balance sheet reveals a worsening financial position over the last reporting period. Shareholders’ funds are negative and have declined sharply, driven by rising current liabilities more than offsetting minimal current assets. There are no fixed assets reported, and the company operates with very limited capital (£1 share capital). The negative net current assets (-£30,956) highlight working capital insufficiency and potential reliance on external funding or director loans. The financial trajectory is negative, with increasing liabilities and diminishing net worth.

3. Cash Flow Assessment:
   Current assets are extremely low (£46), mainly cash or receivables, while current liabilities have increased substantially to over £31k. This suggests poor liquidity and an inability to meet short-term obligations as they fall due without additional financing. There is no evidence of sufficient cash flow generation or working capital to support operations or repay debts. The company’s ability to convert assets into cash quickly is limited, posing a high risk for lenders.

4. Monitoring Points:

• Monitor changes in current liabilities and efforts to reduce them.
• Track any improvement in current assets or liquidity injections from the director or third parties.
• Review upcoming filed accounts for any turnaround in equity or profitability.
• Watch for director's conduct and funding commitments, given the sole director’s controlling interest.
• Keep an eye on overdue filings or signs of insolvency proceedings.