APPLE LETTINGS AND MANAGEMENT LIMITED

Executive Summary

APPLE LETTINGS AND MANAGEMENT LIMITED is currently dormant with no operating history or financial substance. It lacks the capacity to service credit facilities and thus is unsuitable for lending at present. Monitoring future filings for trading activity is recommended before reconsidering credit exposure.

APPLE LETTINGS AND MANAGEMENT LIMITED - Analysis Report

Company Number: 13505198

Analysis Date: 2025-07-19 12:54 UTC

1. Credit Opinion: DECLINE
   APPLE LETTINGS AND MANAGEMENT LIMITED is a dormant company with no trading activity or financial transactions reported since incorporation in 2021. The financials show nominal cash and net assets of £2, reflecting the nominal share capital only. There is no evidence of revenue generation, profitability, or operational cash flow to support debt servicing or commercial credit. Without any trading history or financial substance, the company poses a high credit risk. Extension of credit is not advisable at this stage.

2. Financial Strength:
   The balance sheet is minimal and static over four years, showing only £2 in cash and net assets representing the nominal share capital. There are no fixed or current assets, liabilities, or reserves. The company’s financial position is effectively that of a shell with no operating assets or equity beyond its initial formation capital.

3. Cash Flow Assessment:
   Cash flow is effectively nil, consistent with dormant status. There are no reported revenues, expenses, or working capital needs. The company cannot generate cash internally to meet any obligations. Liquidity is limited to the nominal cash balance of £2, which is immaterial.

4. Monitoring Points:

• Confirm if the company begins trading and files full annual accounts reflecting operational performance.
• Monitor for any changes in directors or significant control that may indicate restructuring or capital injection.
• Watch for submission of subsequent accounts beyond dormant filings to assess financial viability.
• Review any upcoming credit applications for updated financial information and business plans.