Company Number: 13125081

Analysis Date: 2025-07-20 14:18 UTC

1. Credit Opinion: DECLINE
   Anfield Property Limited exhibits persistent negative net assets and shareholders’ funds, indicating an undercapitalized position. The company’s liabilities, particularly long-term creditors, significantly exceed its assets. Negative net current assets show working capital shortages, undermining short-term repayment capability. There is no evidence of improving financial position over the last three years, pointing to weak financial stewardship and business resilience risks. Given the company’s micro size, lack of employees, and sole director with limited disclosed financial expertise, credit risk is elevated.

2. Financial Strength:

• Fixed assets have remained steady at £123,000 since 2022, but total net assets are negative £18,001 at the latest year-end (2024), worsening slightly from previous years.
• Current liabilities (£108,276) far exceed current assets (£16,277), producing a negative working capital position (-£32,725).
• The company carries significant long-term liabilities relative to asset base, creating a solvency concern.
• Share capital is nominal (£1), indicating minimal equity buffer to absorb losses.

3. Cash Flow Assessment:

• The consistent negative net current assets imply liquidity constraints, raising doubts about the company’s ability to meet short-term obligations without refinancing or capital injection.
• Absence of employees and minimal current assets suggest limited operational cash inflows.
• No profit and loss data available, but unchanged fixed asset base and worsening equity suggest no retained earnings to support cash flow.
• Overall, cash flow appears insufficient for debt service or supplier payments without external support.

4. Monitoring Points:

• Watch for improvements in net current assets and overall net asset position.
• Track any capital injections or reduction in creditor balances.
• Monitor director’s financial activity and credit behaviour for signs of distress.
• Review any upcoming filings for profit and loss data to assess operational performance.
• Observe industry conditions in property trading for external risks impacting asset valuations.