Company Number: 14485573

Analysis Date: 2025-07-20 17:28 UTC

1. Credit Opinion: DECLINE
   COFFE ROMA EXPRESS LTD shows a weak financial position with net current liabilities of £3,153 and negative net assets of the same amount as of their most recent year-end. The company is newly incorporated (Nov 2022) and classified as a micro-entity, limiting financial disclosure. The deficit in working capital and shareholders' funds suggests an inability to comfortably meet short-term obligations or service additional credit. Lack of profitability data and minimal assets increase risk. Given the early stage and fragile balance sheet, credit approval is not recommended without substantial additional security or support.

2. Financial Strength:
   The balance sheet reveals current assets of only £5,402 against current liabilities of £8,555, resulting in a negative working capital position of £3,153. Net assets are also negative at £3,153, indicating that liabilities exceed assets. The company has no fixed assets reported and only one employee. The negative equity position signals losses or capital withdrawals exceeding initial funding. This weak financial structure limits resilience to operational disruption or economic downturns.

3. Cash Flow Assessment:
   Limited data is available, but the net current liabilities indicate liquidity stress. The company likely struggles to generate sufficient cash inflows to cover near-term payables. Absence of cash or cash equivalents details and no positive net assets imply constrained working capital and potentially negative operating cash flow. This raises concerns about the company’s ability to sustain day-to-day operations without external funding.

4. Monitoring Points:

• Monitor future annual accounts for improvement in net assets and working capital.
• Review any incoming funds or capital injections supporting liquidity.
• Track payment behavior to suppliers and creditors for signs of stress.
• Watch for filing of profit and loss statements to assess operational profitability and cash generation.