Company Number: 14573765

Analysis Date: 2025-07-29 20:17 UTC

1. Credit Opinion: DECLINE
   ANNPOL LTD is a very newly incorporated entity (Jan 2023) with minimal financial data available. The latest filed accounts show extremely limited financial activity: cash balance of only £100 and net assets/shareholders’ funds of £100. There is no reported turnover, profit, or operational data indicating business activity or revenue generation. The company currently employs no staff and holds no fixed or intangible assets. This lack of meaningful financial substance and operating history presents a high credit risk and inability to service debt or commercial obligations at this stage.

2. Financial Strength:
   The balance sheet is nominal with net current assets and net assets both at £100, representing only initial share capital. No liabilities or operational assets are disclosed. The company has no working capital beyond the initial small cash balance. This indicates a very weak financial position with no buffer to absorb shocks or finance operations.

3. Cash Flow Assessment:
   Cash on hand is only £100, which is insufficient to cover any meaningful operating costs or debt servicing. There is no evidence of cash inflows from trading or external funding beyond initial share capital. Working capital is minimal and unlikely to support ongoing business needs. Liquidity risk is very high.

4. Monitoring Points:

• Filing of future accounts to assess business development, turnover, and profitability.
• Cash flow statements to determine operational liquidity and working capital management.
• Any new borrowing or credit facilities sought should be supported by detailed business plan and financial projections.
• Monitor director activities and any changes in ownership or control for signs of business progress or distress.