Company Number: 13001302

Analysis Date: 2025-07-20 14:39 UTC

Credit Opinion:
CONDITIONAL APPROVAL. Guy-Hall Property Ltd shows a stable net asset position of approximately £190k as of November 2023, indicating modest financial strength. However, the company recorded a loss of £17,925 during the year and relies on director financial support to maintain going concern status. The company operates in buying and selling of own real estate, a sector often subject to market fluctuations and liquidity constraints. The related party loans and director support increase credit risk and require ongoing monitoring. Credit facilities may be considered with conditions on regular financial updates and limits on exposure relative to net assets.

Financial Strength:

• Net assets stand at £189,678 (down from £208,021 in prior year), reflecting a slight decline but still positive equity.
• The balance sheet is asset-light with no fixed assets, relying mainly on current assets (£220k) and low current liabilities (£30.6k).
• Share capital is minimal (£120), indicating limited equity injection.
• The company has a history of losses, reducing reserves from £207,901 to £189,558.
• Related party loans (£200k) represent a significant portion of current assets and may pose a recovery risk if the related party experiences financial difficulty.

Cash Flow Assessment:

• Cash at bank has decreased significantly from £94k to £15,862, which could limit liquidity and ability to meet short-term obligations independently.
• Debtors remain stable at around £204k, largely due from related parties (interest-free, repayable on demand), which may delay cash inflows.
• Current liabilities are low (£30.6k), suggesting manageable short-term obligations.
• The company depends on director support for cash flow, which is positive if sustained but presents risk if withdrawn.
• Working capital remains positive (£189,678), supporting operational liquidity for now.

Monitoring Points:

1. Continued profitability or reduction in losses to strengthen reserves.
2. Cash flow trends and movements in cash balances, especially reliance on director support.
3. Recoverability and terms of related party loans (£200k) to assess credit risk exposure.
4. Changes in current liabilities and any new debt obligations.
5. Market conditions in the property sector affecting asset values and liquidity.
6. Director’s financial capacity and willingness to support the company going forward.