CLEVER INSITES LIMITED

Executive Summary

Clever Insites Limited is a dormant private company with no trading activity or financial substance, evidenced by static net assets of £100 and minimal current assets. The company shows no capacity to service debt or support credit facilities. Credit approval is not recommended without material changes in trading status or financial performance.

CLEVER INSITES LIMITED - Analysis Report

Company Number: 13188516

Analysis Date: 2025-07-19 12:55 UTC

1. Credit Opinion: DECLINE. Clever Insites Limited has filed dormant accounts consistently with minimal financial activity and no revenue generation reflected in their filings. The company's net assets remain static at £100, equal to its issued share capital, indicating no operational business or trading cash flows. Without any financial substance or trading history, there is no evidence of capability to service debt or meet financial obligations. The absence of turnover and working capital undermines creditworthiness.

2. Financial Strength: The balance sheet shows a minimal asset base consisting solely of debtors of £100 and net assets of £100, equal to share capital. No liabilities or other assets are reported. This extremely thin balance sheet reflects a non-trading entity with no financial buffer or equity build-up. The company is classified as dormant, suggesting no active business operations or income streams to support financial stability.

3. Cash Flow Assessment: No cash flow data is available, but given the dormant status and lack of income, the company presumably has no cash inflows from operations. Current assets are limited to debtors of £100, which is insignificant and static over years. Working capital is negligible, and the company is unlikely to have any liquidity to cover expenses or debt service. This indicates a very high liquidity risk.

4. Monitoring Points:

• Monitor for any change from dormant status to active trading with substantive financial performance.
• Watch for updated accounts showing revenue generation, cash flow improvements, or increased net assets.
• Review director appointments and ownership changes for indications of business strategy shifts.
• Track filing compliance and any overdue accounts or returns which may signal operational issues.