DISRUPTER PAY 4 LTD

Executive Summary

Disrupter Pay 4 Ltd is a dormant entity with no trading history or financial activity since incorporation, maintaining only nominal cash and share capital. Due to the absence of operating performance and financial substance, the company is not a suitable candidate for credit facilities at this time. Ongoing monitoring should focus on any future operational developments or financial activity indicating improved creditworthiness.

DISRUPTER PAY 4 LTD - Analysis Report

Company Number: 14252705

Analysis Date: 2025-07-20 14:17 UTC

1. Credit Opinion: DECLINE
   Disrupter Pay 4 Ltd is a dormant company with no trading activity or financial operations reported since incorporation in July 2022. The absence of revenues, profits, or operational cash flows means the company currently lacks any capacity to service debt or meet credit obligations. There is no evidence of business activity or growth trajectory, and the company's financial standing remains static and minimal, indicating no business resilience or financial management beyond maintaining minimal compliance.

2. Financial Strength:
   The company’s balance sheet shows minimal activity, with cash and net assets consistently at £100 across the last three financial years. There are no current or fixed assets, no liabilities, and no shareholders’ funds beyond the initial share capital. The dormant status means no income, expenses, or retained earnings exist to assess profitability or financial robustness. Overall, the financial position is extremely weak due to inactivity and lack of substance.

3. Cash Flow Assessment:
   Cash holdings are nominal (£100) and unchanged, reflecting no operating or investing cash flows. There is no working capital cycle as there are no current assets or liabilities besides cash. The company’s liquidity position is effectively negligible and insufficient to support any credit facility or financial obligation. The lack of trading and cash generation capacity presents a high risk for any lending.

4. Monitoring Points:

• Monitor for any change in trading status or filing of full accounts indicating business commencement.
• Watch for any increase in assets, liabilities, or cash balances which may signal operational activity.
• Review director and control changes for indications of company strategy shifts.
• Track timely filing of accounts and confirmation statements to ensure compliance.