BLACK HORSE COMMERCIAL LIMITED

Executive Summary

Black Horse Commercial Limited is a micro-entity with minimal financial activity and a static balance sheet reflecting only nominal share capital and current assets. The absence of trading, revenue, and meaningful assets indicates no capacity to service debt or credit facilities. Credit extension is not advisable without significant change in business activity or financial strength.

BLACK HORSE COMMERCIAL LIMITED - Analysis Report

Company Number: 13273527

Analysis Date: 2025-07-20 17:48 UTC

1. Credit Opinion: DECLINE
   Black Horse Commercial Limited presents extremely limited financial information with no significant assets, liabilities, or operational activity reflected in its accounts. With only £100 in current assets and shareholders’ funds and no employees or trading activity reported over multiple years, there is no evidence of any meaningful business operations or income generation. This lack of financial substance and operational scale means the company is unlikely to generate sufficient cash flow to service any debt or credit facility. The micro-entity status and static balance sheet indicate a dormant or inactive company with no demonstrated creditworthiness. Therefore, credit approval cannot be recommended.

2. Financial Strength:
   The company’s balance sheet is minimal, showing only £100 in current assets and net assets, which matches share capital. There are no fixed assets or liabilities reported. The absence of retained earnings or reserves, combined with no turnover or employees, suggests no business activity or growth. The financial position is effectively stagnant with no cushion to absorb economic shocks or unexpected expenses. This extremely weak financial foundation lacks the robustness required to support credit exposure.

3. Cash Flow Assessment:
   No cash flow statements or trading results have been provided, and the balance sheet figures imply negligible liquidity and working capital. The company holds only £100 in current assets, which is insufficient to cover any meaningful current liabilities or operating costs. There is no indication of revenue generation or cash inflows from operations. Consequently, the company’s ability to meet short-term obligations or repay loans is highly questionable.

4. Monitoring Points:

• Filing of more substantive accounts and evidence of trading activity
• Any material changes in assets, liabilities, or cash position in future filings
• Director changes or indications of business strategy moving forward
• Confirmation of ongoing operations or business contracts that might improve cash flow
• Watch for overdue filings or signs of financial distress such as administration or liquidation procedures