COR IMMACULATUM MARIAE LTD

Executive Summary

Cor Immaculatum Mariae Ltd demonstrates a stable financial position as a micro-entity with positive net current assets and shareholders' funds. The company’s low liabilities and simple operational structure support its ability to meet short-term obligations. Credit approval is recommended with routine monitoring of working capital and operational developments.

COR IMMACULATUM MARIAE LTD - Analysis Report

Company Number: 14156159

Analysis Date: 2025-07-29 20:11 UTC

1. Credit Opinion: APPROVE
   Cor Immaculatum Mariae Ltd is a micro-entity with a stable financial position and no overdue filings. The company shows consistent positive net current assets and shareholders' funds with low current liabilities, indicating an ability to meet short-term obligations. It has no employees, which limits operational complexity and associated risks. Although the company is relatively new (incorporated mid-2022), its financials do not raise immediate credit concerns. The absence of audit requirements and minimal financial activity suggest a low-risk profile but also limited scale. Credit approval is recommended with standard monitoring.

2. Financial Strength:
   The balance sheet reflects a modest but sound financial structure for a micro-entity. Current assets stand at approximately £20,361 (2024) with current liabilities of £3,705, resulting in net current assets of roughly £16,656. Shareholders’ funds have increased slightly from £14,766 (2023) to £15,792 (2024), showing retention of earnings or capital injection. The company holds no fixed assets, and cash/debtors details are limited. The low level of liabilities and positive equity provide a buffer against financial stress, but the scale is small.

3. Cash Flow Assessment:
   Cash position remains stable based on available data, with current assets primarily comprising cash or equivalents. The company does not have significant debt maturing within the year, and working capital is positive. Lack of employees and low operating complexity suggest limited cash outflows. However, detailed cash flow statements are not provided, limiting a full liquidity analysis. Overall liquidity appears adequate for ongoing operations given the scale.

4. Monitoring Points:

• Monitor growth in current liabilities relative to current assets to maintain healthy working capital.
• Watch for any increase in operational complexity or employee count that may affect cash flow.
• Review subsequent filings for any material changes in financial position or management structure.
• Confirm ongoing compliance with filing deadlines and absence of director conduct issues.