Company Number: 13352175

Analysis Date: 2025-07-29 17:25 UTC

1. Credit Opinion: APPROVE
   Clapham Manor Management Limited demonstrates a stable financial position with positive net current assets and equity. The business shows consistent growth in net assets and working capital from 2023 to 2024, indicating prudent financial management. No overdue filings or director disqualifications are noted, supporting good governance. Given its micro-entity status and management of real estate on a fee basis, its cash flow profile appears sufficient to meet short-term obligations, making it creditworthy for modest facilities.

2. Financial Strength:
   The company has net current assets of £112,820 as of April 2024, up from £96,394 in the prior year, reflecting an improving liquidity buffer. Net assets equal shareholders’ funds at £112,220, confirming no long-term liabilities are recorded. The balance sheet is clean with no fixed assets disclosed, consistent with its service-oriented real estate management activity. The modest share capital (£1) is typical for micro-entities but is offset by retained earnings and positive reserves, signaling modest financial strength but no significant leverage or risk.

3. Cash Flow Assessment:
   Current assets of £370,028 mainly represent liquid or near-liquid assets, while current liabilities stand at £257,208, indicating sufficient short-term liquidity. The positive net working capital of £112,820 suggests the company can comfortably cover its immediate liabilities. The absence of employees reduces payroll obligations, and the company likely benefits from predictable fee income streams, supporting stable cash inflows.

4. Monitoring Points:

• Maintain positive net current asset position and monitor any growth in current liabilities to ensure working capital remains adequate.
• Track any changes in directors or governance that could impact operational control.
• Review future accounts for evidence of revenue growth or diversification, especially given the micro-entity scale.
• Observe any emerging contingent liabilities or changes in payment behavior to creditors.