ANY PROPERTY FOR CASH.COM LTD

Executive Summary

Any Property For Cash.com Ltd is a recently established micro company with a minimal but improving balance sheet and positive working capital. Its financial data shows limited scale and liquidity, relying heavily on intercompany debtors, which presents some risk. Conditional credit approval is recommended, pending further insight into operational cash flow and business viability to ensure sustainable debt servicing capacity.

ANY PROPERTY FOR CASH.COM LTD - Analysis Report

Company Number: 12932757

Analysis Date: 2025-07-29 12:58 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Any Property For Cash.com Ltd is an active micro private limited company with minimal financial history due to its recent incorporation in 2020. The company shows modest net current assets (£566) and positive shareholder funds (£566) as of October 2023, up from £1 in prior years, indicating some growth. However, the scale of operations is very small, with a single employee and limited turnover inferred. The company operates in real estate trading (SIC 68100), which can be cyclical and capital intensive, but no fixed assets or significant liquidity cushions are evident. The director is the sole significant controller, suggesting centralized management. Given limited financial depth, approval should be conditional on further information about revenue streams, profitability, and plans for scaling operations before extending larger credit facilities.

2. Financial Strength:
   Balance sheet strength is minimal but improving. The company holds current assets of £1,299 (mainly debtors £1,161 and cash £138) against current liabilities of £733, yielding positive net current assets of £566. There are no fixed assets recorded, indicating no long-term capital investment to support operations. Share capital is nominal (£1). The retained earnings of £565 reflect accumulated profits or reserves. The absence of long-term liabilities reduces risk profile but also indicates limited external capital. Overall, the financial position shows a very small, early-stage company with a fragile balance sheet but no evident solvency issues.

3. Cash Flow Assessment:
   Cash at bank is low (£138), and working capital is positive but modest. The large debtor balance is primarily owed by group undertakings (£1,160), which may affect liquidity depending on the group's financial health and repayment terms. The company’s ability to meet short-term obligations appears adequate for current scale but would be strained if liabilities or operational demands increase. No detailed cash flow or profit & loss data was provided, limiting full cash flow analysis. Close monitoring of debtor collections and creditor payments is necessary to prevent cash flow stress.

4. Monitoring Points:

• Debtor aging and collectability, particularly amounts owed by group companies.
• Changes in current liabilities and ability to meet short-term debts as business scales.
• Profitability trends and retained earnings growth in future accounts filings.
• Director’s plans for business expansion or capital injection to strengthen financial base.
• Compliance with filing deadlines and any changes in company structure or control.