HOLISTIC PROPERTY LIMITED

Executive Summary

Holistic Property Limited presents a stable opening financial position with positive net current assets and shareholders’ equity, supported by a modest cash balance and limited liabilities. Despite the absence of long trading history and profit data, there is no indication of immediate financial distress. Credit approval is recommended with conditions focusing on future financial performance monitoring and cash flow management.

HOLISTIC PROPERTY LIMITED - Analysis Report

Company Number: 14578835

Analysis Date: 2025-07-20 18:38 UTC

1. Credit Opinion: APPROVE with conditions Holistic Property Limited is a newly incorporated entity (2023) operating in property management and real estate activities. The company shows a positive net current asset position and shareholders' funds, indicating initial financial stability. However, due to its young age, limited operating history, and absence of audited financial statements or income statements, credit approval should be conditional on monitoring future trading performance and cash flow generation. The directors appear to have clean records and significant shareholding, which supports aligned management incentives. Overall, the risk is moderate given limited financial history but manageable with ongoing review.

2. Financial Strength:

• The balance sheet as at 31 January 2024 shows total current assets of £234,819 against current liabilities of £73,474, delivering a strong net working capital of £161,345.
• Fixed tangible assets stand at £14,044 after depreciation, reflecting modest investment in plant and machinery.
• Shareholders’ funds total £175,389, indicating equity capital supporting the company’s asset base.
• The company has no long-term liabilities reported, so its gearing risk is minimal at this stage.
• Debtors (£162,259) are a significant part of current assets; this requires careful management to avoid liquidity strain.

3. Cash Flow Assessment:

• Cash at bank and in hand is £72,560, which is a reasonable liquidity buffer for a micro-size company.
• The company has a small workforce (average 1 employee), which limits fixed cost pressures.
• Trade creditors (£5,130) are low, suggesting limited short-term obligations to suppliers.
• Taxation and social security liabilities (£65,841) form the majority of current liabilities and should be monitored to ensure timely settlement.
• Given the presence of sizeable debtors, effective collection processes are critical to maintain cash flow.
• Absence of profit and loss data means cash flow projection relies on future filing; ongoing monitoring recommended.

4. Monitoring Points:

• Monitor timely filing of accounts and confirmation statements to ensure compliance and transparency.
• Review future income statements and cash flow statements once available to assess profitability and operational cash generation.
• Closely watch debtor ageing and collection efficiency to prevent working capital issues.
• Track tax and social security payments to avoid arrears.
• Observe any changes in director appointments or shareholding that could impact governance or control.
• Assess market conditions in property management and real estate sectors as these affect revenue stability.