ESCUDO GROUP LTD

Executive Summary

Escudo Group Ltd presents as a micro-entity with nominal financial resources, no operational activity, and no sustainable cash flow. Its current financial position is inadequate to support credit facilities or commercial liabilities. Given the absence of trading history and financial substance, the company is not creditworthy at this stage.

ESCUDO GROUP LTD - Analysis Report

Company Number: 14020639

Analysis Date: 2025-07-20 16:25 UTC

1. Credit Opinion: DECLINE. Escudo Group Ltd is a recently incorporated micro-entity with minimal financial data showing no operating income or assets beyond a nominal amount of £100. The company lacks employees, has negligible net assets, and no evidence of trading activity or profitability. This profile indicates insufficient capacity to service debt or fulfill commercial obligations reliably. Without operational history or meaningful financial strength, credit exposure carries high risk.

2. Financial Strength: The balance sheet reveals total assets less current liabilities of only £100 consistently over the last three years, reflecting essentially no tangible or current assets to draw upon. Shareholders’ funds equal this minimal amount, indicating no retained earnings or reserves. The absence of fixed assets, working capital, or cash balances signals an extremely weak financial position.

3. Cash Flow Assessment: No reported cash or current assets and no employees suggest zero operational cash flow generation. The company likely relies solely on capital injections from the sole shareholder/director. Liquidity is therefore critically constrained, and working capital is effectively non-existent, posing significant risk of default on any financial commitments.

4. Monitoring Points:

• Confirmation of commencement of trading and revenue generation.
• Improvement in net current assets and positive cash flow from operations.
• Any increase in staffing or capital investment that supports business activity.
• Timely filing of future accounts and confirmation statements to track ongoing compliance and financial evolution.
• Changes in ownership or director conduct impacting governance and financial stewardship.