GULF ESTATES LTD

Executive Summary

Gulf Estates Ltd demonstrates stable financial health with modest but consistent growth in turnover and net assets. The company maintains a clean, low-leverage balance sheet and sufficient liquidity to meet short-term obligations. Credit risk is low given the company’s scale and management, supporting an approval recommendation with routine monitoring of growth and financial discipline.

GULF ESTATES LTD - Analysis Report

Company Number: 12728794

Analysis Date: 2025-07-29 19:15 UTC

1. Credit Opinion: APPROVE with low credit risk. Gulf Estates Ltd is a micro-sized private limited company active since 2020 with consistent, albeit very modest, positive turnover and profits. The company shows a stable upward trajectory in turnover (£1,000 in 2022 and 2023 to £1,250 in 2024) and net assets (£2,000 to £3,000), indicating gradual growth. The director is also the sole significant controller with relevant accounting expertise, supporting sound management. While the scale is small, the financials present no red flags for repayment capacity in relation to its size and business scope.

2. Financial Strength: The balance sheet is conservative and stable for a micro-entity. Fixed assets increased from £1,500 to £2,000 over three years, current assets doubled to £1,000, and net current assets remain positive and improving. Shareholders’ funds rose from £2,000 to £3,000, reflecting retained profits and no apparent debt. The company maintains a clean balance sheet with no liabilities disclosed, indicating low leverage and strong equity backing.

3. Cash Flow Assessment: The company’s net current assets of £1,000 and current assets of £1,000 against minimal or no current liabilities suggest adequate liquidity to meet short-term obligations. Turnover growth and profit margin (profit equals turnover, implying minimal costs or simplistic accounting typical of micro entities) support ongoing operational cash generation. Working capital management appears sound, with no indications of cash flow stress.

4. Monitoring Points:

• Monitor continued turnover growth beyond micro-entity scale to ensure scalability.
• Watch for any emerging liabilities or debt that could affect liquidity.
• Review director’s accounts and management approach periodically given small size and reliance on a single key individual.
• Confirm sustained compliance with filing deadlines and regulatory requirements.