ANSWER THE PUBLIC HOLDINGS LTD

Executive Summary

ANSWER THE PUBLIC HOLDINGS LTD is a non-trading holding company with minimal financial substance and no operating assets or cash flow. Its negligible equity base and lack of current assets present a high risk of non-payment. Credit approval is not recommended without strong external support or operational improvement.

ANSWER THE PUBLIC HOLDINGS LTD - Analysis Report

Company Number: 12498232

Analysis Date: 2025-07-20 18:58 UTC

1. Credit Opinion: DECLINE
   ANSWER THE PUBLIC HOLDINGS LTD presents a very weak credit profile. The company shows minimal financial activity and extremely limited equity (£1 share capital and shareholders’ funds). Its latest filed accounts for the year ending 31 December 2023 report only a nominal investment asset of £1 with no current assets or liabilities, indicating no operational trading or cash generation. The absence of profit and loss data and no disclosures on revenue or cash flow suggest it is effectively dormant or a holding entity with no substantive business operations. This raises significant concerns about its ability to service any debt or meet commercial obligations.

2. Financial Strength:
   The balance sheet is negligible in size and shows no meaningful assets or working capital. Shareholders’ funds remain at £1 consistently for multiple years, reflecting no retained earnings or capital injection. There is no evidence of fixed assets, current assets, or liabilities beyond a nominal investment. The company structure appears to be that of a holding company controlled 100% by Neil Patel Digital Limited, with no independent financial substance. This lack of financial depth and absence of operational assets indicates very poor financial strength.

3. Cash Flow Assessment:
   No cash or equivalents are reported in the latest accounts, and current assets have dropped to zero from prior years when debtors were recorded. Without cash or working capital, liquidity risk is high. The company cannot internally fund operations or debt service and would likely depend entirely on external funding or its parent entity. Given the lack of trading activity, cash flow generation is either non-existent or negligible, severely limiting its ability to meet short-term obligations.

4. Monitoring Points:

• Watch for any upcoming accounts filings indicating operational activity or changes in asset structure.
• Monitor changes in ownership or capital injections that could improve financial standing.
• Track any inter-company loans or guarantees from the parent company, Neil Patel Digital Limited, which might affect credit risk.
• Observe director changes and any disclosures regarding business strategy or commercial contracts that could impact cash flows.