H DI BIASE LIMITED

Executive Summary

H DI BIASE LIMITED is a very young micro-entity with a straightforward financial structure and positive working capital. The company currently demonstrates adequate liquidity and equity to support modest credit exposure. Continued monitoring of operational cash flow and growth metrics is recommended as the business develops.

H DI BIASE LIMITED - Analysis Report

Company Number: SC758809

Analysis Date: 2025-07-29 13:58 UTC

1. Credit Opinion: APPROVE
   H DI BIASE LIMITED is a newly incorporated micro-entity with no indication of financial distress or overdue filings. The company shows positive net assets and a healthy working capital position relative to its size. The single director and 100% shareholder, Mrs. Helena Di Biase, appears to maintain direct control, which can be a credit strength in terms of decision-making agility. Given its micro status and early stage, the credit exposure should be modest and monitored, but current data supports credit approval.

2. Financial Strength:
   The balance sheet as of 27 February 2024 shows £10,194 in current assets against only £845 in current liabilities, yielding net current assets of £9,349 and net assets of £9,350. There are no fixed assets or long-term liabilities, indicating a simple and clean capital structure. Shareholders’ funds mirror the net assets, confirming equity backing. The absence of debt reduces financial risk but also suggests limited asset base for collateral.

3. Cash Flow Assessment:
   The company holds positive working capital and no debt obligations, implying sufficient liquidity to meet short-term commitments. While there is no detailed cash flow statement, the net current asset surplus indicates good short-term financial flexibility. The absence of employees and fixed assets suggests low operational overheads, which supports cash preservation in the early phase of business.

4. Monitoring Points:

• Revenue and profitability trends as operations scale beyond micro-entity thresholds.
• Cash flow from operations to ensure ongoing liquidity.
• Changes in liabilities, particularly any new borrowings or credit lines.
• Director’s ability to sustain and grow the business given sole control.
• Timely compliance with future filing deadlines as the company matures.