HELP AND SAVE LIMITED

Executive Summary

Help and Save Limited shows no operational or financial activity beyond a nominal asset base, with no employees or turnover since incorporation. The company lacks any trading history or cash flow to support credit obligations, making credit extension highly risky. Close monitoring for any signs of business commencement or financial improvement is required before reconsidering credit.

HELP AND SAVE LIMITED - Analysis Report

Company Number: 13528639

Analysis Date: 2025-07-20 18:45 UTC

1. Credit Opinion: DECLINE
   Help and Save Limited presents minimal financial activity with negligible assets (£4 current assets, no liabilities) over multiple years and no turnover or employees. The lack of operational scale, revenue generation, and meaningful financial transactions strongly indicates an inability to service any credit facility or debt. The company’s micro-entity status with static minimal net assets and no trading history suggests it is either dormant or non-operational despite its active status. Extending credit would carry high risk without evidence of business viability or cash flow.

2. Financial Strength:
   The balance sheet shows an extremely weak financial position with only £4 in current assets and no liabilities, resulting in net current assets and shareholders’ funds of £4 across the last three years. There is no fixed asset base, no working capital, and no equity growth. The absence of revenues or profit reserves demonstrates zero financial strength or operational scale.

3. Cash Flow Assessment:
   Cash flow appears effectively non-existent. The company has no employees and no turnover reported, indicating no operating cash inflows. The minimal current assets likely represent a nominal cash balance but provide no meaningful liquidity or working capital to support business activities or credit repayment.

4. Monitoring Points:

• Any filing of accounts showing trading activity or revenue generation
• Changes in asset base or working capital indicating commencement of operations
• Director or shareholder changes that may signal restructuring or new funding
• Confirmation of business model viability and commercial contracts if any