APPLE AND PEAR LIMITED

Executive Summary

Apple and Pear Limited is a micro-entity with negligible financial activity and minimal asset value, showing no capacity to service credit. The company’s static balance sheet and lack of earnings or cash flow data suggest it is dormant or inactive. Based on current information, credit exposure is high risk and not recommended for approval.

APPLE AND PEAR LIMITED - Analysis Report

Company Number: 12645530

Analysis Date: 2025-07-20 16:08 UTC

1. Credit Opinion: DECLINE
   Apple and Pear Limited presents with extremely minimal financial activity and asset base, reporting only £100 in current assets and net current assets consistently over five years. There is no evidence of revenue generation, profitability, or growth. The company is a micro-entity with a single director and shareholder who controls 100% ownership and voting rights. The absence of meaningful financial substance and operating scale indicates a very limited capacity to service any debt or credit obligations. Without additional financial data such as turnover, profit & loss, or cash flow, the business’s ability to sustain credit is highly questionable.

2. Financial Strength:
   The balance sheet is essentially nominal, showing current assets of £100 and shareholders' funds of £100 with no liabilities or fixed assets reported. This static and minimal balance sheet suggests the company is likely dormant or inactive in trading terms. There is no equity cushion or financial depth to support borrowing or absorb financial shocks. The very low asset base and absence of operational scale indicate very weak financial foundations.

3. Cash Flow Assessment:
   There is no disclosed data on cash flow or working capital beyond the nominal current assets. The consistent reporting of £100 in current assets and net current assets over multiple years suggests no meaningful cash inflows or operational activity. Liquidity is effectively nonexistent, and working capital is insufficient to cover any material liabilities or credit commitments. The company does not demonstrate cash generation capacity necessary to meet debt repayments.

4. Monitoring Points:

• Monitor any changes in financial activity or scale, including increases in turnover, profit, or asset base.
• Watch for updated filings showing operational performance or investment that could improve creditworthiness.
• Track director and shareholder activity for any changes in control or capital injection.
• Review for overdue filings or signs of financial distress such as administration or liquidation status.