DPE BETA PROPERTIES LIMITED

Executive Summary

DPE BETA PROPERTIES LIMITED demonstrates solid short-term liquidity and a positive equity position with experienced financial management. The company’s small scale and asset-light structure warrant prudent credit limits and ongoing monitoring of debt levels and cash flow stability. Overall, it presents a low-risk credit profile suitable for modest lending.

DPE BETA PROPERTIES LIMITED - Analysis Report

Company Number: 13238183

Analysis Date: 2025-07-29 14:53 UTC

1. Credit Opinion: APPROVE with caution. DPE BETA PROPERTIES LIMITED is a micro-entity focused on real estate activities with stable net assets and positive working capital. The company shows no fixed assets but maintains strong current assets and manageable liabilities. The director is a Chartered Accountant, indicating competent financial stewardship. However, the company’s overall scale is small and asset-light, so credit exposure should be limited and monitored closely.

2. Financial Strength: The balance sheet shows net assets increasing from £60,798 in 2023 to £100,471 in 2024, reflecting modest retained earnings or revaluation gains. Current assets (~£355k) exceed current liabilities (~£13k short-term creditors) by a large margin, indicating good short-term solvency. There is a material long-term liability (~£240k), but the company’s equity covers this comfortably. No fixed assets are recorded, suggesting reliance on current asset holdings, possibly cash or receivables, which reduces collateral availability.

3. Cash Flow Assessment: The company’s net current assets are strong (~£341k), implying good liquidity and working capital sufficiency to meet short-term obligations. The absence of employees reduces operational cash outflows. However, the lack of fixed assets and reliance on current assets means the company’s cash flow is likely tied to real estate transactions or leases rather than operational earnings, which may be variable. Monitoring cash inflows from property transactions is advisable.

4. Monitoring Points:

• Track changes in long-term liabilities to ensure debt levels remain sustainable.
• Monitor cash flow volatility linked to real estate market conditions.
• Watch for any changes in current asset composition to confirm liquidity quality.
• Observe director conduct and regulatory filings for timely compliance.
• Review any upcoming material contracts or leases impacting cash flow.