C & N MANAGEMENT SERVICE LTD

Executive Summary

C & N MANAGEMENT SERVICE LTD is an early-stage micro-entity with a weak balance sheet showing negative net assets and minimal working capital, indicating limited capacity to service credit. The company’s financial scale is very small, and no evidence of operational profitability or cash flow resilience is currently available. Given these factors, credit facilities are not recommended at this time.

C & N MANAGEMENT SERVICE LTD - Analysis Report

Company Number: 14457891

Analysis Date: 2025-07-29 12:10 UTC

1. Credit Opinion: DECLINE

C & N MANAGEMENT SERVICE LTD is a recently incorporated micro-entity (since Nov 2022) engaged in residents property management. The latest accounts to 30 Nov 2023 show minimal scale with net current liabilities of £13 and negative net assets of the same amount. This indicates a weak balance sheet with no material asset base or equity buffer. The company employs only one person and has very limited working capital. Given the absence of revenue or profit data, minimal tangible financial strength, and being in an early, unproven stage of operations, the company currently lacks sufficient financial capacity to service any credit facilities reliably. Directors have limited financial history with this entity, and no evidence of cash flow resilience or growth trajectory is present. Therefore, the credit risk is high, and lending should be declined.

2. Financial Strength:

The balance sheet is fragile, showing current assets of £352 against current liabilities of £365 resulting in net current liabilities of £13. Total net assets and shareholder funds are negative £13. There are no fixed assets or reserves reported. This tiny negative equity position and minimal asset base suggest the company is either pre-revenue or not generating sufficient trading results to build capital. The micro-entity status and small scale limit the financial buffer, increasing vulnerability to adverse business events or cash flow shocks.

3. Cash Flow Assessment:

With current liabilities marginally exceeding current assets, liquidity is tight. The working capital deficit, though small in absolute terms, indicates immediate short-term obligations slightly outweigh available liquid assets. No cash flow data is disclosed, but the lack of positive net assets and minimal operating scale implies constrained cash generation capabilities. The company’s ability to meet day-to-day operational expenses and service debt is uncertain and likely dependent on ongoing director support or external funding.

4. Monitoring Points:

• Improvement in net assets and working capital position in future accounts filings.
• Evidence of stable or growing revenue and profitability to support debt servicing.
• Directors’ credit and financial management track record as the business matures.
• Timely filing of statutory accounts and confirmation statements to maintain compliance.
• Any changes in ownership or control that may impact governance or financial stability.