COOKE & CHARMAN GROUP LIMITED

Executive Summary

Cooke & Charman Group Limited exhibits an extremely limited financial profile with negligible assets and no trading activity to date, rendering it unable to service credit facilities. The company’s balance sheet and cash position offer no comfort on financial strength or liquidity. Credit extension is not advised until evidence of operational scale and positive cash flow emerges.

COOKE & CHARMAN GROUP LIMITED - Analysis Report

Company Number: 13246797

Analysis Date: 2025-07-29 19:51 UTC

1. Credit Opinion: DECLINE
   Cooke & Charman Group Limited shows extremely limited financial activity and scale, with reported cash and net assets of only £100 across four years since incorporation. The company has no employees and no recorded revenue or profits disclosed. The absence of turnover, negligible asset base, and lack of working capital suggest it lacks substantive trading operations and cash flow generation capability. This raises significant concerns about its ability to service any credit facility or meet commercial obligations. Without evidence of financial growth or operational scale, extending credit would be highly risky.

2. Financial Strength:
   The balance sheet is minimalistic with total assets less current liabilities at £100, representing only the issued share capital. There are no fixed or current assets beyond cash, no liabilities, and no reserves or retained earnings. This static, tiny equity position indicates no capital growth or reinvestment. The lack of tangible or intangible assets and negligible net current assets point to a very weak financial foundation. The company’s financial position is insufficient to support borrowing or absorb any financial shocks.

3. Cash Flow Assessment:
   Reported cash on hand of £100 is insufficient to cover any meaningful operating expenses, debt service, or working capital needs. The absence of employees and no indication of trade receivables, inventory, or payables suggests no active trading cycle generating cash flow. The company’s liquidity position is effectively non-existent, and it is highly unlikely to generate positive cash flows to meet ongoing obligations or credit repayments.

4. Monitoring Points:

• Confirm if the company has commenced trading and generating revenue in future periods.
• Monitor changes in asset base or working capital reflecting operational activity.
• Track any filings indicating financial growth or capital injections.
• Review directors’ reports or strategic plans for business development evidence.
• Watch for any overdue filings or changes in company status that might signal distress.