CC CALLAWAY MORTGAGES LIMITED

Executive Summary

CC Callaway Mortgages Limited is an early-stage mortgage finance micro-entity with a minimal equity base and negative working capital, reflecting limited financial strength. Credit approval is conditional pending further evidence of cash flow generation and business sustainability. Close monitoring of liquidity, operational progress, and director governance is advised to mitigate risk.

CC CALLAWAY MORTGAGES LIMITED - Analysis Report

Company Number: 14808920

Analysis Date: 2025-07-29 20:58 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   CC Callaway Mortgages Limited is a newly incorporated micro-entity operating in mortgage finance. The company shows a positive net asset position, albeit minimal (£177), with net current liabilities of £3,644. The absence of audit and limited financial history restricts a thorough credit risk assessment. The company is wholly owned and controlled by one director, which centralizes decision-making but also concentrates risk. Given the early stage and limited financial data, approval is conditional on obtaining further evidence of operational cash flows and business development to ensure sustainable debt servicing capacity.

2. Financial Strength:
   The balance sheet shows low fixed assets (£3,821) and current assets (£3,900), offset by current liabilities of £7,544 resulting in a negative working capital of £3,644. The net assets stand at £177, reflecting minimal equity. The company’s micro-entity status and small scale limit financial robustness. Although not insolvent, the tight asset base and current liability pressure suggest vulnerability to unexpected expenses or revenue shortfalls. The lack of retained earnings or reserves further indicates limited capitalization.

3. Cash Flow Assessment:
   Current liabilities exceed current assets, indicating potential short-term liquidity constraints. No employees other than the director are reported, implying low operating overheads, but also limited operational scale. The absence of detailed cash flow statements means liquidity management cannot be fully evaluated. Monitoring actual cash inflows from mortgage finance activities and timing of creditor payments will be critical to assess ongoing working capital adequacy.

4. Monitoring Points:

• Quarterly updates on cash flow and debtor collections to confirm liquidity.
• Progress on business development and revenue generation given the company’s infancy.
• Changes in working capital and any increase in liabilities or capital injections.
• Director’s track record and governance practices as sole decision-maker.
• Timely filing of future accounts and confirmation statements to ensure compliance.