EMILY SETTLE DESIGN LTD

Executive Summary

Emily Settle Design Ltd is a dormant private limited company with no trading activity and minimal net assets, indicating no capacity to service credit facilities. The company’s financial position is very weak, with no cash flow or working capital available. Credit approval is not recommended unless the company demonstrates trading activity and improved financial metrics in future periods.

EMILY SETTLE DESIGN LTD - Analysis Report

Company Number: 12885918

Analysis Date: 2025-07-29 21:13 UTC

1. Credit Opinion: DECLINE
   Emily Settle Design Ltd is a dormant company with no trading activity or financial transactions reported since incorporation. The accounts show minimal net assets (£100) representing issued share capital only, with no revenues, profits, or operational cash flows. There is no evidence of ongoing business activity or financial performance to support debt servicing capacity. Granting credit would expose the bank to high risk with no demonstrated ability to repay.

2. Financial Strength:
   The balance sheet is limited to the nominal share capital of £100 with no other assets or liabilities. The company has no fixed or current assets, no retained earnings, and no reserves. This indicates zero financial cushion or capital to leverage for business operations or credit exposure. The dormant status confirms no trading or income generation, resulting in a very weak financial position.

3. Cash Flow Assessment:
   There is no cash flow data available due to the dormant status. Working capital is effectively zero, as current assets and liabilities are absent. The company does not generate operating cash flows and thus cannot support liquidity needs or debt repayment. Without any trading activity, liquidity risk is high.

4. Monitoring Points:

• Watch for any change from dormant to active trading status with corresponding financial filings.
• Monitor filing timeliness, especially if the company starts trading.
• Assess future accounts for revenue generation, profitability, and cash flow improvements before reconsidering credit.
• Review any changes in ownership or director appointments that might indicate a change in business strategy.