Company Number: 13730619

Analysis Date: 2025-07-29 18:58 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   CCWK FACILITIES MANAGEMENT LTD is a very small micro-entity operating in the facilities management and cleaning services sector. The company is active and compliant with filing deadlines, which is positive for credit monitoring. However, its absolute scale and financials are minimal, with net current assets of only £16 and net assets of £16 as at November 2023. The lack of employees and minimal current assets suggest a very low operational scale and limited financial buffer. Credit should be extended cautiously and likely with limits tied to the company’s cash flows and turnover growth. The sole director and 100% owner also being the occupier may limit external oversight. Approval is conditional on further verification of cash generation and ongoing business activity.

2. Financial Strength:
   The company’s balance sheet is extremely small and thin. Current assets rose from £20 in 2022 to £67 in 2023, and current liabilities also increased from £28 to £51, resulting in net current assets improving to £16 from a negative £8 the prior year. Total net assets went from negative £8 to positive £16, indicating a slight strengthening but still a very low equity base. There are no fixed assets or long-term liabilities reported, reflecting a very lean structure. The micro-entity status means limited disclosure and simplicity, but the balance sheet indicates very limited capital and no tangible asset backing.

3. Cash Flow Assessment:
   Direct cash flow data is not provided, but the minimal current assets and liabilities imply very limited working capital. The company’s ability to meet short-term obligations appears marginal but positive as of the latest accounts. Absence of employees suggests possible subcontracting or very limited operational scope, reducing payroll cash outflows. However, the small absolute cash and receivables balances mean any disruption to incoming cash flows could quickly impact liquidity. Monitoring cash inflows from customers and timely payment of creditors is essential.

4. Monitoring Points:

• Regular confirmation of up-to-date filings and no overdue accounts or confirmation statements.
• Tracking growth or decline in current assets and liabilities to assess working capital trends.
• Verification of business activity levels, including turnover and client base, to confirm revenue generation capacity.
• Watch for any director changes or signs of financial distress such as late payments or creditor pressures.
• Review any future filings for the emergence of fixed assets or debt that could impact financial risk.