ADAM O'DONNELL LTD

Executive Summary

ADAM O'DONNELL LTD currently demonstrates no financial capacity to support credit facilities, with zero net assets and no working capital. The company is very small and appears inactive or minimally operational, posing a high risk for lending. Credit approval is not recommended without significant evidence of business development or financial improvement.

ADAM O'DONNELL LTD - Analysis Report

Company Number: SC739461

Analysis Date: 2025-07-29 17:10 UTC

1. Credit Opinion: DECLINE
   ADAM O'DONNELL LTD shows no meaningful financial substance or trading activity. The latest accounts (to July 2024) report zero current assets and zero net assets, down from a negligible £10 in the prior two years. Such minimal financial data and absence of working capital indicate the company lacks the ability to service any debt or meet commercial obligations reliably. The company is newly incorporated (2022) and remains a micro-entity with only one employee, suggesting limited operational scale and financial depth. Without evidence of revenue generation, profitability, or asset base, extending credit would be highly risky.

2. Financial Strength:
   The balance sheet is effectively nil. Current assets and net current assets dropped from £10 to zero within the latest year. Shareholders’ funds and net assets are zero, indicating no retained earnings or capital buffer. The company carries no fixed assets or tangible net worth. The micro-entity status and minimal figures point to an unestablished or dormant operation with no financial strength to absorb shocks or support borrowing.

3. Cash Flow Assessment:
   The absence of current assets implies no cash, receivables, or inventory to support liquidity. The company’s micro size and single employee mean working capital is negligible. No evidence of cash inflows or operational cash generation is available. This severely limits the company’s ability to meet short-term liabilities or fund ongoing expenses without external support.

4. Monitoring Points:

• Future account filings should be monitored for signs of revenue, asset acquisition, or increased working capital.
• Watch for any overdue accounts or confirmation statements indicating compliance risk.
• Management changes or director conduct records could signal operational shifts or distress.
• Any moves toward dissolution or liquidation should be tracked given the weak financial base.