DOBIE HOWARD LIMITED

Executive Summary

Dobie Howard Limited is a micro-entity with a severely limited financial footprint, showing nominal net assets and no significant operational activity. The company lacks the financial strength and cash flow capability to support credit facilities, making credit approval unsuitable at this stage. Continued monitoring should focus on any material improvements in financial position or operational scale before reconsidering credit exposure.

DOBIE HOWARD LIMITED - Analysis Report

Company Number: 13063111

Analysis Date: 2025-07-29 13:24 UTC

1. Credit Opinion: DECLINE
   Dobie Howard Limited is a micro-entity with minimal financial activity and extremely limited assets and equity. The balance sheet at the latest year-end shows total net assets of only £1, no current liabilities, and no material working capital. The company’s financial position is essentially nominal, indicating no substantive asset base or operational scale from which to generate cash flow. With only one employee and no evidence of revenue, the company lacks the financial strength or operational track record to service any meaningful credit facility. The absence of liabilities suggests no borrowing history or credit experience, raising concerns over the company’s capacity to repay debt. Therefore, from a credit risk standpoint, the company does not demonstrate sufficient financial substance or resilience to support credit approval.

2. Financial Strength:
   The company’s balance sheet is extremely weak. Net assets stand at £1, unchanged over multiple years except for a single year (2022) showing £119 net assets, which dropped back to £1 in 2023. Current liabilities are zero, and net current assets are zero or negligible. Share capital is minimal (£2 nominal value). The company’s micro-entity status and lack of tangible fixed or current assets highlight minimal financial resources. There is no evidence of retained earnings or reserves beyond nominal amounts, indicating no accumulated profitability or capital build-up. Overall, the financial position is very fragile.

3. Cash Flow Assessment:
   No detailed cash flow information is provided, but given the balance sheet structure and zero current liabilities, the company likely maintains a very limited cash position. The absence of creditors or working capital turnover implies minimal business operations. With only one employee and no material assets, cash generation capacity appears negligible. The company’s liquidity is likely constrained, and it cannot be relied upon to generate sufficient cash inflows to meet debt obligations or absorb financial stress.

4. Monitoring Points:

• Monitor any changes in net assets or working capital that indicate operational growth or capital injections.
• Review future filings for evidence of revenue generation or expansion of asset base.
• Watch for director changes or any indications of business restructuring.
• Track any increase in current liabilities or borrowings that may affect liquidity.
• Monitor compliance with filing deadlines to ensure regulatory adherence.