FINCH HOPE SYLVIE PROPERTY INVESTMENTS LIMITED

Executive Summary

FINCH HOPE SYLVIE PROPERTY INVESTMENTS LIMITED exhibits a high solvency and liquidity risk profile with minimal net assets and significant current liabilities relative to liquid resources. While the company maintains timely filings and clear ownership, the financial data points to a fragile operational foundation typical of a newly incorporated micro-entity. Further scrutiny of liabilities, asset quality, and business viability is essential before considering investment exposure.

FINCH HOPE SYLVIE PROPERTY INVESTMENTS LIMITED - Analysis Report

Company Number: 15053625

Analysis Date: 2025-07-20 14:28 UTC

1. Risk Rating: HIGH
   The company's financial data shows a net asset value of only £1, with current liabilities nearly equal to fixed assets (£449,545). This extremely low equity base coupled with current liabilities that mirror fixed assets indicates a precarious solvency position. The micro-entity status and very recent incorporation (2023) further limit the financial track record to assess stability.

2. Key Concerns:

• Solvency Risk: The balance sheet reveals liabilities nearly equal to fixed assets, resulting in negligible net assets (£1), suggesting very thin equity and potential difficulty meeting obligations if liabilities crystallize.
• Liquidity Issues: Current assets stand at £1 against current liabilities of £449,545, indicating almost no liquid resources to cover short-term debts. This gap may impair operational cash flow and creditor confidence.
• Operational Sustainability: The company has only one employee and minimal current assets, which may indicate limited operational activity or early-stage business with uncertain revenue generation prospects.

3. Positive Indicators:

• No Overdue Filings: The company is current with both accounts and confirmation statement filings, reflecting good compliance and governance discipline to date.
• Clear Ownership and Control: One director and 75-100% shareholder Miss Cassandra Grice provides straightforward governance structure without signs of conflicting control or complex ownership.
• Micro-Entity Status: The small scale may reduce complexity and administrative burden, enabling focused early-stage management.

4. Due Diligence Notes:

• Investigate the nature and terms of the £449,545 current liabilities to evaluate repayment obligations and creditor identities.
• Review cash flow projections and operational plans to understand how the company intends to improve liquidity and solvency.
• Confirm whether the fixed assets are tangible property or other investments and assess their market value and liquidity.
• Assess the business model viability given the limited employee count and asset base.
• Monitor director conduct and any related party transactions, given sole control by a single director/shareholder.
• Verify that no contingent liabilities or off-balance sheet obligations exist that could further strain financials.