Company Number: SC708905

Analysis Date: 2025-07-20 12:24 UTC

1. Credit Opinion: DECLINE
   Cameron Wood Limited shows a deteriorating financial position with net liabilities increasing from £6,079 in 2022 to £11,246 in 2023. The company is a micro-entity operating in bespoke carpentry manufacturing but exhibits weak liquidity and negative net current assets, indicating difficulty in meeting short-term obligations. Without evidence of improved cash flows or strengthened equity, the risk of default on credit is high. Approval for new credit facilities is not recommended at this stage.

2. Financial Strength:
   The balance sheet reveals a decline in fixed assets (£16,536 to £13,582) and a significant increase in current liabilities (£25,000 to £44,425), which more than doubled within one year. Current assets increased but remain insufficient to cover current liabilities, resulting in a negative working capital position of £24,828. Net assets and shareholders’ funds are negative, reflecting accumulated losses or capital erosion. This signals weak financial resilience and limited buffer to absorb operational or market shocks.

3. Cash Flow Assessment:
   The company has no recorded employees and minimal current assets relative to liabilities, suggesting constrained liquidity. Negative net current assets imply the company may struggle to pay creditors promptly without additional financing or capital injection. Lack of audit and limited disclosure restrict detailed cash flow analysis, but the available data strongly indicate strained working capital and poor short-term cash management.

4. Monitoring Points:

• Monitor quarterly cash flow statements for improvement in liquidity.
• Watch creditor payment terms and any overdue liabilities developing.
• Track any capital injections or equity restructuring to restore net asset positivity.
• Observe order book or revenue growth to assess operational improvements.
• Confirm ongoing compliance with filing deadlines and absence of director misconduct.