FULL STOP TRAINING LTD

Executive Summary

FULL STOP TRAINING LTD is a micro-entity with very limited financial resources and declining net assets, indicating weak financial strength and minimal operational scale. The company shows no leverage and limited cash flow capacity, raising concerns about its ability to service debt or credit facilities. Given these factors, credit extension is not recommended at this time.

FULL STOP TRAINING LTD - Analysis Report

Company Number: 12539126

Analysis Date: 2025-07-20 17:48 UTC

1. Credit Opinion: DECLINE. The company FULL STOP TRAINING LTD is a micro-entity with extremely limited financial resources and minimal operational scale. Its net assets have been declining steadily from £2,227 in 2019 to only £79 in 2024, indicating erosion of capital and limited financial strength. The absence of current liabilities suggests no short-term financial pressure but also no borrowing capacity or financial leverage. The lack of employees and very low asset base raise concerns about its ability to generate sufficient cash flow to service any debt or credit facilities. Overall, the business profile and financials do not support credit extension beyond a minimal level.

2. Financial Strength: The balance sheet shows a very small asset base consisting primarily of fixed assets (£21) and current assets (£58) as of April 2024. There are no current or long-term liabilities, which means the company is not leveraged but also has no credit history or borrowing capacity. The shareholders’ funds have significantly decreased from £2,227 in 2019 to £79 in 2024, reflecting either operational losses or capital withdrawals. As a micro-entity, the scale is minimal and there is no indication of financial growth or resilience.

3. Cash Flow Assessment: Current assets are low (£58) but exceed current liabilities (nil), resulting in positive net working capital. However, the absence of employees and very low asset turnover imply limited operational cash generation. Cash flow visibility is weak, and the company appears reliant on minimal capital. There is no evidence of sustained revenue or profitability to support loan repayments or credit terms, making liquidity a concern if credit facilities were extended.

4. Monitoring Points:

• Monitor any improvements in turnover and profitability, as these are not visible in current disclosures.
• Watch for changes in net assets and working capital trends in future filings.
• Observe any increase in operational scale including employee numbers or fixed assets.
• Track director actions or strategic changes that might affect financial stability.