INANC PAZAR LTD

Executive Summary

INANC PAZAR LTD is a very small, recently incorporated micro-entity with limited trading activity and minimal financial resources. While they have moved from a negative to a slightly positive net asset position, their operating loss and low cash reserves restrict their debt servicing capability. Credit facilities may be conditionally approved with tight limits and require ongoing financial monitoring to mitigate risk.

INANC PAZAR LTD - Analysis Report

Company Number: 14495647

Analysis Date: 2025-07-29 20:51 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   INANC PAZAR LTD is an active micro private limited company incorporated recently in late 2022. The company has demonstrated limited but positive trading activity with a turnover of £4,462 in the latest financial year ending November 2024, albeit reporting a small operating loss (£1,614). Its net assets have turned positive (£574) after a prior negative position, indicating some initial capital injection or retained earnings. The company is very small in scale, with no employees and minimal assets. Given the minimal turnover, low asset base, and early stage of trading, the company’s ability to service significant debt or credit facilities is limited at this point. Approval for credit facilities could be considered on a conditional basis with tight limits, short tenor, and requiring regular financial updates.

2. Financial Strength:
   The balance sheet reflects a very modest financial position typical of a micro-entity start-up. Current assets stand at £574 with no fixed assets reported. The company has no reported current liabilities for the latest year, resulting in positive net current assets and shareholders’ funds of £574. This represents a marginal improvement from the prior year’s net liability position (-£69). The company does not have significant financial reserves or tangible assets to support larger credit exposures. The absence of borrowings or long-term liabilities is positive from a risk perspective but also indicates limited leverage capacity at present.

3. Cash Flow Assessment:
   Cash reported in the prior year was £1,110 but current year cash is not separately disclosed; current assets total only £574, implying a reduction in liquidity. There is no indication of external financing or working capital facilities. The company has no employees, which reduces operating cash outflows but also limits operational scale. The small turnover and operating loss suggest cash flow from operations is currently negative or minimal. Working capital is positive but very limited in absolute terms. The company’s liquidity position is fragile and would benefit from close monitoring.

4. Monitoring Points:

• Turnover growth and profitability trends in subsequent periods to assess operational viability.
• Cash flow statements and liquidity ratios to monitor working capital sufficiency.
• Timely submission of annual accounts and confirmation statements to ensure regulatory compliance.
• Any new financing arrangements or changes in director/shareholder structure.
• Industry developments in online retail and wholesale sectors affecting company prospects.
• Director’s plans for business expansion or risk mitigation given the current small scale.