HOPE PROPERTY INVESTMENTS LIMITED

Executive Summary

Hope Property Investments Limited is financially strong with solid liquidity and increasing net assets, making it well-positioned to meet debt obligations. The company’s balance sheet reflects prudent management and low leverage. Key areas to monitor include debtor levels and investment property valuation to maintain creditworthiness over time.

HOPE PROPERTY INVESTMENTS LIMITED - Analysis Report

Company Number: 13198423

Analysis Date: 2025-07-20 12:03 UTC

1. Credit Opinion: APPROVE
   Hope Property Investments Limited demonstrates a strong financial position with significant improvement in liquidity and net assets over the last two years. The company operates in property investment, a generally stable sector, and shows no signs of distress or overdue filings. The director has maintained adequate accounting controls, and no adverse notes on management conduct are present. The company’s ability to service debt appears strong given minimal current liabilities and robust cash balances.

2. Financial Strength:
   The company’s net assets have increased markedly from £816,746 in 2023 to £1,141,903 in 2024, driven primarily by improved net current assets (up from £51,939 to £385,759) and stable fixed assets around £780k. This growth suggests prudent asset management and possibly increased profitability or capital injections. The balance sheet is healthy with minimal short-term liabilities (£5,986) relative to current assets (£391,745), indicating low gearing and a strong equity base.

3. Cash Flow Assessment:
   Cash at bank increased from £138,771 in 2023 to £189,741 in 2024, reflecting improved liquidity. The increase in debtors from £35,552 to £202,004 should be monitored but currently does not impair cash flow, as overall net current assets remain strong. The company’s working capital position is robust, which supports ongoing operational needs and potential financing arrangements without strain.

4. Monitoring Points:

• Debtor balances: The significant rise in debtors warrants periodic review to ensure timely collections and avoid cash flow issues.
• Dividend payments: The post-year-end dividend of £25,436 should be balanced against retained earnings and cash flow to maintain financial stability.
• Investment property valuation: The investment property is carried at cost without independent valuation; future impairment or revaluation risks should be monitored.
• Continued revenue and profit trends: Although profit figures are not disclosed, ongoing assessment of profitability and operating cash flow is essential.