FULL CIRCLE PROPERTY SERVICES LIMITED

Executive Summary

FULL CIRCLE PROPERTY SERVICES LIMITED is a newly incorporated micro-sized property services company with minimal financial history and a modest net asset base. It demonstrates compliance and positive equity but lacks scale and trading track record, warranting cautious credit terms with active monitoring. Extension of credit should be limited and reviewed as the company establishes operational and financial stability.

FULL CIRCLE PROPERTY SERVICES LIMITED - Analysis Report

Company Number: 14502130

Analysis Date: 2025-07-29 12:33 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   FULL CIRCLE PROPERTY SERVICES LIMITED is a newly established micro private limited company with limited trading history (incorporated November 2022). The latest unaudited accounts show modest net current assets (£2,825) and a positive equity position, indicating a basic but not robust financial foundation. The company is currently active and compliant with filing deadlines, with no adverse information on management. However, the lack of trading history and limited asset base means credit should be extended cautiously, potentially with limits and ongoing monitoring.

2. Financial Strength:

• Total current assets stand at £5,838, offset by current liabilities of £3,013, resulting in net current assets of £2,825.
• Shareholders’ funds of £2,825 reflect positive equity but are minimal, consistent with a micro entity in early development stages.
• No fixed assets or long-term liabilities are reported, limiting collateral value and financial buffer.
• The company employs no staff and is wholly owned by one director, suggesting a closely held operation with limited scale.
• Overall, the balance sheet shows minimal financial strength, typical of a start-up micro company.

3. Cash Flow Assessment:

• Current assets presumably include cash or equivalents, but the very small absolute amounts indicate constrained liquidity.
• Current liabilities are also low but represent a material portion of current assets, limiting working capital flexibility.
• The absence of employees and fixed assets suggests low operating overheads, which may help maintain positive cash flow if revenues commence.
• No detailed P&L or cash flow data available, so assessment is limited to balance sheet liquidity indicators.

4. Monitoring Points:

• Timely filing of next accounts and confirmation statements to ensure ongoing compliance.
• Growth in current assets and net working capital as indicators of operational progress.
• Development of trading activity and revenue streams to improve cash flow and equity.
• Continued absence of director or company adverse events (e.g., disqualifications, insolvency filings).
• Potential need for credit limits tied to business performance benchmarks given early stage status.