Company Number: 13439378

Analysis Date: 2025-07-20 16:16 UTC

1. Credit Opinion: DECLINE
   CHARISMA UK HOLDING LTD is a dormant company with no trading activity and minimal financial data, showing stagnant net assets and cash of only £1,000 over multiple years. The absence of operating income, profit generation, or working capital indicates no capacity to service debt or meet commercial obligations. Without active business operations or financial performance, the credit risk is high and the company cannot support credit facilities.

2. Financial Strength:
   The balance sheet reflects a very limited financial position with net assets and shareholder funds of £1,000, comprised solely of share capital. There are no current or fixed assets, liabilities, or reserves. This minimal capital base and lack of financial activity provide no buffer or financial strength to withstand economic or operational challenges.

3. Cash Flow Assessment:
   Cash holdings are constant at a nominal £1,000, with no evidence of cash inflows or outflows. The company’s dormant status confirms no working capital cycle or liquidity to fund operations or debt service. Cash flow risk is extremely high given the absence of any trading activity or income.

4. Monitoring Points:

• Confirmation of continued dormant status or any change to trading activity.
• Filing of accounts and confirmation statements on time to avoid compliance risk.
• Monitoring any new financial disclosures or capital injections that may affect creditworthiness.
• Watch for any appointments or changes in control that might indicate a shift in business operations.