HOME OF INTENTIONS LTD

Executive Summary

HOME OF INTENTIONS LTD is a dormant micro-entity with no trading history, negligible assets, and no cash flow. The company lacks operational and financial substance to support debt repayment or credit risk. Credit facilities are not recommended until active trading and financial performance are demonstrated.

HOME OF INTENTIONS LTD - Analysis Report

Company Number: SC682507

Analysis Date: 2025-07-29 20:32 UTC

1. Credit Opinion: DECLINE
   HOME OF INTENTIONS LTD is a dormant company with no trading activity or revenue generation since incorporation in December 2020. Its accounts confirm zero turnover, no profit or loss, and minimal assets. There is no evidence of operational cash flow or business activity to support debt servicing. Given the absence of trading history and revenue, the company lacks the financial capacity to meet any credit obligations. The director’s occupation as a student suggests limited business experience or management resources. Therefore, credit approval for lending or commercial credit facilities is not recommended.

2. Financial Strength:
   The balance sheet reflects minimal fixed assets (£932) and current assets (£2,445), primarily cash or equivalents, resulting in net assets of £3,377. No liabilities are reported. The company holds nominal share capital (£1) but no retained earnings or reserves from operations. Overall, the financial position is extremely weak but stable due to lack of liabilities. The dormant status means no business growth or financial progress has occurred. This lack of operational substance means the strength is insufficient for credit support.

3. Cash Flow Assessment:
   No trading activities or cash inflows/outflows are reported. The net current assets consist solely of cash or cash equivalents with no working capital cycle in place. There is no evidence of receivables, payables, or inventory. Without operational cash flow generation or working capital management, liquidity is constrained to the existing cash balance only. This situation does not support sustainable cash flow to service debts or cover credit exposure.

4. Monitoring Points:

• Monitor any changes in trading status from dormant to active, including turnover and profit generation.
• Track director changes and any appointments with relevant business experience or financial stewardship.
• Review subsequent financial filings for evidence of operational activity, cash flow, and assets/liabilities development.
• Watch for any related party transactions or off-balance-sheet liabilities that may impact credit risk.
• Ensure timely filing of accounts and confirmation statements to maintain compliance and transparency.