APEX ANALYSIS & DESIGN LIMITED

Executive Summary

APEX ANALYSIS & DESIGN LIMITED is a newly incorporated micro-entity with negligible financial history and minimal assets, indicating very limited capacity to service credit. The company’s current financial position is weak, with nominal net assets and no proven cash flow. Credit approval is not advisable at this stage without further evidence of operational progress and financial stability.

APEX ANALYSIS & DESIGN LIMITED - Analysis Report

Company Number: 15168394

Analysis Date: 2025-07-20 15:27 UTC

1. Credit Opinion: DECLINE
   APEX ANALYSIS & DESIGN LIMITED is an extremely new micro-entity with minimal financial history and negligible reported assets (£6 net assets). The lack of meaningful financial data, absence of revenues or profit figures, and a single employee suggest the company is in its very early stage with no proven trading performance. There is no evidence of cash generation or operational scale to support debt service capability. Given the infancy and minimal financial footprint, extending credit would pose a high risk without additional collateral or guarantees.

2. Financial Strength:
   The balance sheet shows £6 in current assets and net assets, with no fixed assets or liabilities disclosed. Share capital is nominal (£2), and shareholders' funds equal net assets at £6, indicating no retained earnings or reserves. The company classification as a micro-entity and the very small asset base highlight an extremely weak financial position. The lack of tangible or liquid assets limits financial resilience.

3. Cash Flow Assessment:
   No detailed cash flow information is available, but the low net current assets (£6) and minimal capital imply extremely limited liquidity. The company’s working capital position is essentially at break-even with no buffer. This suggests an inability to absorb unexpected expenses or meet short-term obligations beyond trivial amounts.

4. Monitoring Points:

• Future filing of full accounts to assess revenue generation, profitability, and cash flow trends.
• Evolution of net current assets and liquidity to evaluate operational scale.
• Any material changes in share capital or external funding injections.
• Directors’ business plans and contracts indicating market traction or growth potential.
• Payment behavior on any trade or credit facilities established.