DSC BUILDING AND CIVIL ENGINEERING LIMITED

Executive Summary

DSC Building and Civil Engineering Limited presents a stable micro-entity balance sheet with positive net assets and working capital, suitable for small scale credit exposure. The company's limited trading history and overdue accounts filing require cautious approval with close monitoring of compliance and financial performance. Overall, the entity demonstrates initial financial stability but should be reviewed regularly as it matures.

DSC BUILDING AND CIVIL ENGINEERING LIMITED - Analysis Report

Company Number: 14188119

Analysis Date: 2025-07-29 14:16 UTC

1. Credit Opinion: APPROVE with caution. DSC Building and Civil Engineering Limited is a very young micro-entity incorporated in 2022, operating in construction of domestic buildings. The company has filed overdue accounts which is a concern but has since filed returns timely. With net assets of £21,690 and positive working capital, it appears financially solvent. However, limited trading history and a single employee restrict the ability to fully assess future cash flows and sustainability. Approval is recommended with monitoring of timely filings and trading performance.

2. Financial Strength: The latest accounts show fixed assets of £3,441 and current assets of £24,008 against current liabilities of £5,759, resulting in net current assets of £18,249 and net assets of £21,690. Shareholders' funds equal net assets, indicating no external debt. The balance sheet is small but sound for a micro-entity, with positive working capital and no evidence of leverage or contingent liabilities.

3. Cash Flow Assessment: Current assets (likely cash and receivables) sufficiently cover current liabilities, suggesting adequate short-term liquidity. The company reports only one employee and minimal fixed assets, implying low overheads. However, absence of detailed profit and loss data or cash flow statements limits comprehensive cash flow evaluation. The clean and positive net current assets imply manageable working capital requirements for current operations.

4. Monitoring Points:

   • Ensure future accounts and confirmation statements are filed on time to avoid compliance risk.
   • Track revenue growth and profitability as trading history develops.
   • Monitor cash flow from operations to confirm ability to service any future credit.
   • Assess director and ownership changes, given significant control by two individuals.
   • Watch for any sector-specific risks in domestic building construction impacting margins or payment terms.