Company Number: 15143812

Analysis Date: 2025-07-29 16:42 UTC

1. Credit Opinion: DECLINE

Bubby and Squirrel Ltd is a newly incorporated private limited company (since September 2023) currently classified as dormant with minimal financial activity. The latest accounts to 30 September 2024 confirm dormant status with nominal cash (£100) and net assets (£100), reflecting only initial share capital. There is no trading history or operating cash flow to demonstrate the company’s ability to service debt or sustain commercial credit. Without any revenue generation or financial performance data, the credit risk is very high and the company lacks capacity to meet credit obligations at this stage.

2. Financial Strength

The balance sheet is extremely limited, showing only cash of £100 and net assets of £100, consisting entirely of issued share capital. There are no liabilities, fixed assets, or working capital, consistent with a dormant entity. This lack of financial substance means there is no buffer to absorb adverse events or losses. The shareholders’ funds are minimal and no profits have been generated or retained.

3. Cash Flow Assessment

Cash resources are negligible (£100), with no reported turnover or operating cash flow. Working capital position cannot be assessed as there are no current assets or liabilities other than cash. The company’s liquidity is insufficient to fund any meaningful operations or meet financial commitments beyond the initial share capital.

4. Monitoring Points

• Filing of first full trading accounts and confirmation of commencement of trading activities.
• Evidence of revenue generation, profitability, and positive operating cash flow.
• Changes in net assets and working capital position as trading progresses.
• Director and shareholder changes or any new financing arrangements.
• Timely filing of statutory returns to ensure compliance and transparency.