G &H PROPERTY HUB LTD

Executive Summary

G &H PROPERTY HUB LTD is a recently incorporated micro-entity in real estate management showing initial positive net assets and modest working capital. The company’s limited scale and short operating history warrant a conditional credit approval, with emphasis on monitoring liquidity and operational cash flows closely. Management appears stable, but ongoing financial performance and compliance should be tracked for sustained creditworthiness.

G &H PROPERTY HUB LTD - Analysis Report

Company Number: 14053923

Analysis Date: 2025-07-29 16:54 UTC

1. Credit Opinion: CONDITIONAL
   G &H PROPERTY HUB LTD is a micro-entity with very limited operating history, incorporated in April 2022. The company shows positive net assets (£2,841) as of March 2024, up from just £1 the previous year, indicating some growth in working capital. However, fixed assets are nil and current liabilities have increased to £10,522, reflecting short-term obligations that may pressure liquidity. The company operates in real estate management and letting, which can be cyclical and requires careful cash flow management. The sole director and 100% shareholder has a stable occupation and no adverse records, which supports management quality. Given the limited financial scale and short track record, credit approval should be conditional on monitoring future cash flows and timely filing of accounts.

2. Financial Strength:
   The balance sheet is small but moving positively. Net current assets of £2,841 indicate a modest working capital buffer. The absence of fixed assets suggests the company is service-oriented rather than asset-heavy, which reduces collateral value for secured lending. Shareholders' funds increased from £1 to £2,841, reflecting retained earnings or capital injection. There are no long-term liabilities reported, which limits financial risk. Overall, the financial strength is weak but stable for a micro-entity startup.

3. Cash Flow Assessment:
   Current assets of £13,363 relative to current liabilities of £10,522 provide a current ratio of approximately 1.27, indicating the company can cover short-term debts but with limited cushion. The increase in current liabilities from £1 to over £10k suggests rising operational costs or payables that require close attention. The company’s liquidity position should be monitored carefully, especially given its early stage and small scale. Cash generation capacity is not detailed, so ongoing cash flow forecasting is critical.

4. Monitoring Points:

• Timely filing of annual accounts and confirmation statements to maintain regulatory compliance.
• Trends in current liabilities and whether they are being managed within cash inflows.
• Development of fixed assets or other collateral that might support larger credit facilities in future.
• Business revenue growth and profitability to improve cash flow and strengthen equity.
• Director’s ability to manage operational risks and maintain positive net working capital.