ALBAN INTERIORS LTD

Executive Summary

Alban Interiors Ltd is a dormant entity with no trading history or financial substance since incorporation in 2020, reflected by minimal assets and no cash flow. The company lacks the financial capacity and operational track record to support credit exposure. Credit facilities are not recommended unless significant changes in business activity and financial strength occur.

ALBAN INTERIORS LTD - Analysis Report

Company Number: 12690827

Analysis Date: 2025-07-20 17:15 UTC

1. Credit Opinion: DECLINE. Alban Interiors Ltd has consistently reported dormant accounts since incorporation in 2020, indicating no trading activity or revenue generation. With negligible assets and no operational history, the company demonstrates no capacity to service debt or fulfill commercial obligations. The single director’s background as a joiner does not provide assurance of financial management or business development. Without evidence of trading performance or cash flow generation, extending credit would be high risk.

2. Financial Strength: The balance sheet shows an extremely minimal financial position, with total assets less current liabilities of £1 and shareholders’ funds of £1 over the last five years. No fixed or current assets beyond nominal cash are reported. The company has no retained earnings or financial reserves, reflecting no business activity. This lack of financial substance indicates a very weak capital structure and no buffer to absorb financial shocks.

3. Cash Flow Assessment: Cash on hand is constant at £1, confirming no liquidity or working capital. The absence of current assets such as receivables or inventory and no reported liabilities suggests no operational transactions. The company’s dormant status means no inflow or outflow of cash, so it cannot generate or manage cash to meet obligations.

4. Monitoring Points:

• Monitor any changes in filing status or accounts indicating commencement of trading.
• Watch for director or shareholder changes that might signal restructuring or new business activity.
• Review annual accounts for any indication of asset acquisition or capital injection.
• Consider requesting management accounts or bank statements if credit application is received.