ANN-INTEGRITY PROPERTY SOLUTIONS LTD

Executive Summary

ANN-INTEGRITY PROPERTY SOLUTIONS LTD shows early signs of financial stabilization with a marginal positive net asset position after initial losses. However, its very limited working capital and equity base suggest a cautious credit approach with low exposure. Regular monitoring of cash flows and financial performance is critical to mitigate risk given its micro-entity status and limited trading history.

ANN-INTEGRITY PROPERTY SOLUTIONS LTD - Analysis Report

Company Number: 13921242

Analysis Date: 2025-07-29 12:09 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   ANN-INTEGRITY PROPERTY SOLUTIONS LTD is a very young micro-entity with limited trading history, incorporated in 2022. The latest accounts show a marginal positive net asset position (£32) after two years of negative net assets (circa -£783). While the company has improved its working capital and solvency position, the absolute values remain minimal, indicating a fragile financial base. Given the lack of profitability data and very low asset base, credit facilities should be extended cautiously with limits aligned to its scale and monitored closely for cash flow sufficiency.

2. Financial Strength:
   The balance sheet shows a net asset position of £32 as of February 2024, up from negative equity in prior years, reflecting some improvement in financial health. Current assets of £2,201 cover current liabilities of £2,169 just marginally, resulting in a net current asset position of only £32. This low level of working capital and shareholders’ funds indicates very limited financial buffer. The company’s status as a micro-entity means minimal fixed assets and reserves, which constrains its ability to absorb financial shocks.

3. Cash Flow Assessment:
   Current assets consist mainly of cash and receivables, but with current liabilities nearly equal, liquidity is tight. The company’s capacity to meet short-term obligations depends heavily on timely cash inflows. The absence of detailed P&L data limits insight into operating cash flow, but the slight improvement in net current assets suggests some progress. However, ongoing monitoring of cash flow statements and creditor days is essential to ensure it can sustainably service its obligations.

4. Monitoring Points:

• Track subsequent accounts filings for profitability and cash flow trends.
• Monitor working capital ratios closely given the minimal net current assets.
• Watch creditor days and payment patterns to assess liquidity management.
• Review any material changes in business activity or additional capital injections.
• Confirm director and shareholder stability; the sole director and 75-100% owner is also the key decision maker.