HUNTERS BUILD AND MAINTENANCE LTD

Executive Summary

Hunters Build And Maintenance Ltd is a newly incorporated micro-entity with a weak financial foundation, exhibiting negative net assets and working capital deficits. Its lack of operational scale, negative equity, and limited liquidity raise significant credit risk concerns. Credit approval is not recommended until the company demonstrates improved financial performance and capitalization.

HUNTERS BUILD AND MAINTENANCE LTD - Analysis Report

Company Number: 15464833

Analysis Date: 2025-07-29 17:30 UTC

1. Credit Opinion: DECLINE. The company is in its first full financial year with only micro-entity accounts filed. The balance sheet shows net liabilities of £7,499 and negative working capital (net current assets of -£6,779), indicating that current liabilities exceed current assets. The absence of employees beyond the director and limited asset base reflects a very early-stage operation with minimal financial strength. The negative net assets position and lack of profitability or cash reserves raise significant concerns about the ability to service any debt or absorb financial shocks. Given there is no trading history beyond incorporation and no evidence of positive cash flow or capital injection, extending credit at this stage would be high risk.

2. Financial Strength: The company’s balance sheet is weak with total current assets of £7,995 against current liabilities of £14,774, resulting in negative net working capital. There are no fixed assets reported, and total net liabilities amount to £7,499. Shareholders funds are negative, reflecting accumulated losses or initial capital deficits. The company is classified as a micro-entity and has no other equity or reserves to support operations. This financial position signals inadequate capitalization and insufficient asset coverage against liabilities.

3. Cash Flow Assessment: Current assets, likely mostly cash or receivables, are insufficient to cover short-term liabilities. Negative working capital suggests potential liquidity issues, with more obligations due within a year than assets available to meet them. No employees beyond the director and no audit exemption filing indicate minimal operational scale. The company’s cash flow from operations is not disclosed, but the poor liquidity position implies limited capacity to fund ongoing operations or service debt without additional capital.

4. Monitoring Points:

• Future trading results and profitability to assess improvement in net assets and working capital.
• Cash flow statements when available to monitor liquidity trends.
• Capital injections or shareholder loans that may improve financial stability.
• Timely filing of accounts and confirmation statements to ensure compliance.
• Any changes in director or ownership that could impact governance or financial strategy.