ADAM BENTLEY RESTORATIONS LIMITED

Executive Summary

Adam Bentley Restorations Limited is a very small, newly established company with a modest positive net asset position supported largely by director loans. While the current financial position is stable, the company’s limited operational history and reliance on related-party funding suggest credit approval should be conditional on evidence of ongoing business development and cash flow improvement. Close monitoring of liquidity and debtor management is recommended to mitigate risk.

ADAM BENTLEY RESTORATIONS LIMITED - Analysis Report

Company Number: 14628664

Analysis Date: 2025-07-29 16:03 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Adam Bentley Restorations Limited is a newly incorporated small private limited company in the furniture repair sector. The financials show modest net current assets of £4,791 and no employees, indicating a very small operational scale. The company’s current liabilities are primarily director loans (£49,630), suggesting reliance on related-party funding rather than external debt. Given its short trading history (just over one year) and limited financial data, the credit risk is moderate. Approval is conditional on continued operational progress, maintaining positive working capital, and evidence of sustainable cash generation or further capital injections to support growth.

2. Financial Strength:
   The balance sheet is very lean with total net assets of £4,791, consisting almost entirely of working capital. Fixed assets are absent or negligible, and there are no external borrowings reported. The company’s equity is minimal but positive, funded mostly by the director’s loan. The lack of tangible long-term assets and limited capital base restricts the company’s financial resilience. However, the absence of overdue filings and compliance with statutory requirements is a positive sign of sound governance.

3. Cash Flow Assessment:
   Cash on hand is low at £1,608, but the company has significant trade debtors (£7,913) plus £46,000 due from related parties, indicating some incoming cash flow potential. Current liabilities are almost entirely director loans and taxes, which may be managed flexibly given the related-party nature. Working capital is positive but marginal (£4,791). Since the company has no employees and a simple cost structure, liquidity risk is currently manageable but could become a concern if debtor collections slow or if additional funding is not forthcoming.

4. Monitoring Points:

• Track debtor collection efficiency and turnover to ensure liquidity remains stable.
• Monitor director loan balances and any movement towards external financing.
• Watch for any expansion in fixed assets or hiring that could increase overheads.
• Review subsequent annual accounts for profitability trends and balance sheet strengthening.
• Keep an eye on compliance with filing deadlines and any changes in company status or management.