HALLIWELL PROPERTY DESIGN LTD

Executive Summary

Halliwell Property Design Ltd is a newly established micro-entity with minimal financial resources and no trading history, resulting in a very weak credit profile. The company’s negligible net assets and lack of operational data prevent an assessment of its ability to service debt or sustain credit facilities. Given these factors, credit approval is not recommended at this time pending further financial development and operational track record.

HALLIWELL PROPERTY DESIGN LTD - Analysis Report

Company Number: 15399844

Analysis Date: 2025-07-29 14:54 UTC

1. Credit Opinion: DECLINE
   Halliwell Property Design Ltd is a newly incorporated micro-entity with very minimal financial history and negligible net current assets (£9). The company’s balance sheet shows almost equal current assets and liabilities, indicating no meaningful working capital buffer. Given the absence of trading history, minimal equity, and no track record of profitability or cash flow generation, the ability to service debt or meet credit obligations cannot be reasonably assessed at this stage. The company’s sole director and 100% shareholder controls all decisions, but there is no evidence of financial strength or operational resilience. Consequently, extending credit would be high risk.

2. Financial Strength:
   The company’s financial position is extremely weak due to its infancy and minimal financial resources. Current assets stand at £4,611, almost entirely offset by current liabilities of £4,602, yielding net current assets of only £9. Total assets less current liabilities equal £9, which is also reflected in shareholders’ funds, indicating no retained earnings or reserves. The lack of fixed assets and equity means the company lacks a cushion against shocks or downturns. The micro-entity status confirms it is below the thresholds for turnover, assets, and employees; with only one employee, operational scale is very limited.

3. Cash Flow Assessment:
   No cash flow statements are available, and the balance sheet suggests very limited liquidity. Current assets probably represent cash or receivables, but nearly matched by short-term liabilities, meaning working capital is effectively neutral. The company has not yet demonstrated positive operating cash flows or profitability. This raises concerns about its ability to meet short-term obligations or finance growth without external funding. Monitoring liquidity will be crucial if credit is considered.

4. Monitoring Points:

• Track future trading performance and turnover growth to assess operational viability.
• Monitor changes in net current assets and shareholders’ funds for signs of capital injection or profitability.
• Watch for timely filing of accounts and confirmation statements to ensure compliance and transparency.
• Review any changes in director or ownership structure that may impact governance or financial management.
• Evaluate cash flow statements when available to judge liquidity and debt servicing capability.