FINU PROPERTY MANAGEMENT LTD

Executive Summary

FINU PROPERTY MANAGEMENT LTD is a very new, micro-scale property management company with minimal financial resources but positive net working capital. Its creditworthiness is currently limited by lack of trading history and scale, recommending cautious and conditional lending with close ongoing monitoring. The owner’s full control and equity backing provide some support, though business viability should be verified over time.

FINU PROPERTY MANAGEMENT LTD - Analysis Report

Company Number: 15075434

Analysis Date: 2025-07-20 15:08 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   FINU PROPERTY MANAGEMENT LTD is a newly established micro-entity (incorporated August 2023) with limited financial history. The company shows a modest net asset base (£730) and positive net current assets, indicating minimal but positive working capital. However, given its very early stage, limited size, and absence of trading history or profitability data, credit facilities should be cautiously extended and closely monitored. Approval may be granted with conditions such as low initial exposure, personal guarantees from the principal shareholder (who holds full control), and regular financial updates.

2. Financial Strength:
   The company’s balance sheet reveals very limited financial resources with total net assets of £730 and current assets slightly exceeding current liabilities. There are no fixed assets reported, suggesting that the business is asset-light or in startup phase. The capital structure is entirely equity-financed by the sole shareholder. The absence of borrowings is a positive factor but also reflects limited investment capacity. The micro-entity status and exemption from audit limit the depth of financial information available.

3. Cash Flow Assessment:
   Current assets are minimal (£930), primarily cash or equivalents, with short-term liabilities of £200. This results in a small but positive net working capital of £730, indicating the company currently has liquidity to meet immediate obligations. However, the scale is very small, and there is no evidence yet of operating cash flows or receipts from customers. As a startup, cash flow volatility and limited operational history present risk. Ongoing liquidity management and cash flow forecasting will be critical.

4. Monitoring Points:

• Progress in revenue generation and trading profitability in subsequent accounting periods.
• Maintenance of positive net current assets and avoidance of short-term liquidity strains.
• Continued compliance with filing deadlines and transparency in financial disclosures.
• Stability of ownership and management, given the single director/shareholder structure.
• Development of business contracts or client base in the property management sector to support cash flows.