ANITA IMPEX STAINES LIMITED

Executive Summary

ANITA IMPEX STAINES LIMITED demonstrates a stable asset base backed by significant real estate holdings but carries substantial secured debt, which constrains financial flexibility. While short-term liquidity has improved, limited operational scale and lack of detailed cash flow data necessitate cautious credit extension with ongoing monitoring. Conditional approval is appropriate, contingent upon demonstration of sustainable cash flows and prudent debt management.

ANITA IMPEX STAINES LIMITED - Analysis Report

Company Number: 14383713

Analysis Date: 2025-07-20 14:38 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   ANITA IMPEX STAINES LIMITED is a recently incorporated micro-entity operating in real estate management and investment. The company shows positive net asset growth and improved net current assets in the latest financial year; however, it carries significant long-term liabilities close to the value of its fixed assets. Given the absence of employees and limited operational scale, the company appears to be asset-backed but with potential liquidity constraints. Approval is recommended with conditions requiring close monitoring of cash flow and debt servicing capability, especially given the high creditor balances and no reported trading profits or turnover data.

2. Financial Strength:

• Fixed Assets steady at £1.83M, indicating ownership of significant real estate assets.
• Shareholders’ funds improved from £56.6k to £152.8k, showing retained earnings or capital injections.
• Long-term liabilities (~£1.81M) nearly match fixed assets, suggesting leverage primarily through secured debt.
• Net current assets increased to £135.9k, indicating a better short-term position compared to prior years but still modest relative to total liabilities.
• Overall, the balance sheet shows an asset-backed position but with substantial debt, limiting financial flexibility.

3. Cash Flow Assessment:

• Current assets of £183.9k against current liabilities of £48k yield positive working capital, indicating short-term liquidity is sufficient to cover immediate obligations.
• The company has no employees and limited operating expenses disclosed, which may reduce cash outflows but also signals limited operating cash inflows.
• No detailed cash flow or profit and loss data is available, caution is warranted until trading cash flow and debt servicing capacity are demonstrated.
• The reliance on long-term creditors requires assurance that scheduled repayments can be met from rental income or asset disposals.

4. Monitoring Points:

• Monitor annual accounts for consistent growth in net assets and reduction in long-term liabilities.
• Review cash flow statements when available to assess operational cash generation and debt servicing capability.
• Watch for any changes in ownership or director appointments that may affect governance or financial strategy.
• Ensure timely filing of accounts and confirmation statements to maintain compliance and transparency.
• Assess rental income stability or other revenue sources supporting debt repayment.