Company Number: 14056144

Analysis Date: 2025-07-20 18:36 UTC

1. Credit Opinion: DECLINE
   C & M J Property Ltd is a very newly incorporated company (since April 2022) classified as dormant throughout its existence, showing no trading activity or financial performance beyond minimal cash balances. The company’s financial statements reflect only nominal cash and share capital of £100 with no current liabilities or assets beyond cash. This indicates no operational business or revenue generation to support any debt servicing capacity. The lack of financial activity and absence of trading history present a high credit risk, making it unsuitable for credit approval at this stage.

2. Financial Strength:
   The balance sheet shows extremely limited financial substance. Net assets and shareholders’ funds are £100, consisting solely of called-up share capital, with no fixed assets or working capital beyond this cash amount. There are no current liabilities, so the company is solvent on a technical basis but has no meaningful capital or asset base. The company is effectively non-operational with no evidential financial strength or reserves to draw upon.

3. Cash Flow Assessment:
   Cash balance is consistently £100 with no reported receipts or payments. There is no evidence of cash inflows from trading or operations, indicating no working capital generation or liquidity for business activities. The company’s cash position is minimal and static, insufficient to support any credit facility or financial obligations.

4. Monitoring Points:

• Monitor for any change in trading status and filing of full financial accounts indicating operational activity.
• Watch for increases in current assets, revenues, or net assets signaling start of business activities and improved financial capacity.
• Review directors’ reports or strategic updates for business plans or funding that could enhance creditworthiness.