BAYOUR LIMITED

Executive Summary

BAYOUR LIMITED is a dormant start-up with no trading history and minimal financial resources. Given the absence of operational performance, cash flow, or assets, it presents a high credit risk and is not suitable for credit facilities at this stage. Future credit consideration should await evidence of active trading and financial viability.

BAYOUR LIMITED - Analysis Report

Company Number: 14671278

Analysis Date: 2025-07-29 18:25 UTC

1. Credit Opinion: DECLINE

BAYOUR LIMITED is a newly incorporated private limited company (incorporated February 2023) classified as dormant, with no trading activity or financial transactions reported in its first year. The company's only financial asset is £60 in cash, representing issued share capital, with no revenues, profits, or liabilities recorded to date. There is no operational history or financial data to support its capacity to generate cash flow or service credit obligations. The company’s dormant status and minimal net assets indicate it is not currently conducting business, thus presenting significant credit risk. Without trading history or demonstrable ability to repay, this company is unsuitable for credit approval.

2. Financial Strength:

The balance sheet shows negligible financial strength with only £60 in cash and net assets. There are no fixed or current assets beyond this nominal amount, no liabilities, and no shareholders’ funds aside from the initial share capital. The absence of any earnings, reserves, or working capital means the company lacks financial resilience or buffer to absorb any losses or economic shocks.

3. Cash Flow Assessment:

Cash flow is effectively non-existent. The company holds just £60 in cash, insufficient to cover any operational expenses or debt service. With no reported trading activity or income, the company has no working capital or liquidity. This severely limits the company’s ability to meet any short-term obligations or fund business growth.

4. Monitoring Points:

• Monitor for future filing of full accounts detailing trading performance and financial position.
• Watch for changes in operational status from dormant to active trading.
• Assess any new financial data indicating revenue generation, profitability, or capital injections.
• Review director actions and credit applications for any changes in risk profile.