HEAVENS PROPERTIES & MANAGEMENT SERVICES LTD

Executive Summary

Heavens Properties & Management Services Ltd is a newly formed micro-entity with a positive net asset base and adequate liquidity for its current scale, but limited operational history restricts full credit confidence. Conditional approval is recommended with ongoing monitoring of financial performance and operational development. The company’s lean structure and compliance to date provide a reasonable foundation for cautious extension of credit facilities.

HEAVENS PROPERTIES & MANAGEMENT SERVICES LTD - Analysis Report

Company Number: 14834853

Analysis Date: 2025-07-29 14:56 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Heavens Properties & Management Services Ltd is a newly incorporated micro-entity with limited operating history (incorporated April 2023), presenting inherent credit risk due to lack of financial track record and absence of profitability data. However, the company currently shows positive net current assets (£3,612) and no overdue filings, demonstrating initial financial compliance and modest liquidity. Given its early stage, credit approval should be conditional on periodic financial updates and monitoring of operational progress.

2. Financial Strength:
   The balance sheet as of 30 April 2024 shows total current assets of £5,092 against current liabilities of £1,480, resulting in net current assets of £3,612 and equivalent net assets/shareholders’ funds. The micro-entity status means financial disclosures are minimal, but the positive net asset position suggests a sound financial foundation for its size and age. No fixed assets are reported, and the company employs no staff, indicating a lean structure with limited financial commitments.

3. Cash Flow Assessment:
   Current liquidity appears adequate for a micro-entity, with current assets comfortably exceeding current liabilities. However, the absolute cash and working capital levels are low, reflective of the company's infancy and limited operational scale. Absence of employees and minimal liabilities reduce cash burn risk. Continuous cash flow monitoring is essential as the company develops, especially if it expands operations or incurs debt.

4. Monitoring Points:

• Track future annual accounts for revenue growth, profitability, and cash generation.
• Monitor director and shareholder changes for stability and governance quality.
• Watch for any overdue filings or deterioration in working capital.
• Assess impact of any business expansion on liquidity and debt servicing capacity.
• Regularly review industry conditions related to management consulting, IT services, and real estate trading activities.