CDCL PROPERTY LTD

Executive Summary

CDCL PROPERTY LTD is a small, active property letting and development business with consistent financials and positive working capital, supporting its ability to meet credit obligations. Its micro-entity status and low liabilities indicate low financial risk, making it suitable for credit approval with standard monitoring of liquidity and compliance. No significant risks or red flags are currently evident.

CDCL PROPERTY LTD - Analysis Report

Company Number: 13109467

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

1. Credit Opinion: APPROVE
   CDCL PROPERTY LTD demonstrates stable financial footing with consistent net assets and positive working capital. The company’s micro-entity status and small scale of operations limit risk exposure, and there is no evidence of financial distress or overdue filings. Directors appear responsible, with no disqualifications or adverse conduct noted. Given the nature of the real estate letting and development activities, the company shows a modest but sound base to service credit obligations.

2. Financial Strength:
   The balance sheet shows total net assets of £5,594 and shareholders’ funds equivalent to net assets, indicating no external long-term debt or provisions. Fixed assets are minimal (£1,064), reflecting likely property or equipment related to its operations. Current assets of £7,998 against current liabilities of £2,268 produce a healthy net current asset position of £5,730, indicating good short-term financial stability.

3. Cash Flow Assessment:
   The positive working capital of £5,730 suggests the company has sufficient liquidity to meet short-term obligations. No significant accruals or deferred income aside from £1,200 are noted, which do not materially impair liquidity. The company employs two staff on average, indicating low overheads. There is no indication of cash flow stress; however, detailed cash flow statements are unavailable, so ongoing monitoring of receivables and payables turnover is recommended.

4. Monitoring Points:

• Continued maintenance of positive working capital and net assets.
• Timely submission of accounts and confirmation statements to avoid compliance risk.
• Watch for any significant changes in fixed assets or liabilities that could affect solvency.
• Monitor director actions and any changes in ownership or control that might impact governance or credit risk.
• Assess impact of market conditions on property letting and development revenues.