CORNER STONE MCR PROPERTY GROUP LTD

Executive Summary

Corner Stone MCR Property Group Ltd is an early-stage micro-entity with limited financial resources and minimal equity. While current liquidity is sufficient for immediate needs, the small asset base and non-current liabilities warrant cautious credit exposure. Conditional approval is recommended with close monitoring of financial growth and cash flow stability given the company’s nascent operational status in the property letting sector.

CORNER STONE MCR PROPERTY GROUP LTD - Analysis Report

Company Number: 15140251

Analysis Date: 2025-07-29 12:58 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   CORNER STONE MCR PROPERTY GROUP LTD is a newly incorporated micro-entity with limited financial history. The balance sheet shows minimal net assets (£1,409) and a small operating scale, indicating limited capacity to absorb financial stress or support significant borrowing. However, there are no overdue filings or negative status flags. Credit approval should be conditional on ongoing monitoring of financial performance and cash flow as the company develops, particularly given the directors’ control and the real estate letting focus which can be sensitive to market cycles.

2. Financial Strength:
   The company reports net current assets of £7,499 against current liabilities of £331, suggesting positive short-term liquidity. However, there are non-current liabilities of £6,090, reducing net assets to £1,409, which is very modest. The equity base is minimal, reflecting the early stage of the business and limited capital invested to date. No fixed assets or employees are reported, implying reliance on leased or low capital-intensive operations. Overall, the balance sheet is fragile due to the small equity buffer and the presence of non-current liabilities.

3. Cash Flow Assessment:
   Current assets of £7,830 and low current liabilities imply adequate short-term liquidity to meet immediate obligations. However, the absence of employees and fixed assets raises questions about the operational scale and cash generation capacity. As a property letting business, rental income and timely collection will be critical to sustaining cash flow. Close attention should be paid to working capital management, rent receivables, and any debt service requirements on the non-current liabilities.

4. Monitoring Points:

• Timely filing of future accounts and confirmation statements to ensure compliance.
• Growth in net assets and positive retained earnings as evidence of business development.
• Cash flow trends, particularly rent collection and operating expenses, to confirm ability to service liabilities.
• Changes in debt levels, especially non-current liabilities, which may impact financial stability.
• Directors’ actions and any material contracts or leases entered that could affect credit risk.