INGENUITY DIGITAL HOLDINGS LIMITED

Executive Summary

Ingenuity Digital Holdings Limited currently presents a high credit risk due to its dormant status at last reporting and lack of trading financial data. The company’s balance sheet shows negligible assets and cash, with no evidence of cash flow or profitability. Without updated accounts demonstrating operational performance and financial strength, credit approval cannot be recommended.

INGENUITY DIGITAL HOLDINGS LIMITED - Analysis Report

Company Number: 12957948

Analysis Date: 2025-07-29 16:56 UTC

1. Credit Opinion: DECLINE
   Ingenunity Digital Holdings Limited has minimal financial history and extremely limited financial substance, evidenced by only £1 in net assets and cash as of the last available accounts from 2020. The company was dormant at that time, with no trading or operational financial data available to assess revenue generation or profitability. Despite being active now, no filed accounts beyond 2020 are presented to demonstrate operational performance or ability to service debt. The absence of meaningful financial data and cash flow visibility poses a high risk for credit extension.

2. Financial Strength:
   The balance sheet as of 31 December 2020 shows negligible net assets (£1) and cash (£1), reflecting a dormant company status with no tangible assets or working capital. No subsequent financial statements are available to assess changes or improvements in financial position. The company’s share capital is minimal (£375), indicating limited equity buffer. The lack of financial disclosures beyond 2020 means the balance sheet health cannot be confirmed as stable or improving.

3. Cash Flow Assessment:
   With only £1 in cash recorded at the last accounts date and no evidence of revenue or operating cash inflows, liquidity is effectively non-existent based on the available data. No current assets, working capital, or cash flow statements have been provided. This lack of liquidity information prevents a confident assessment of the company’s ability to meet short-term obligations or service debt.

4. Monitoring Points:

• Timely filing of up-to-date annual accounts reflecting trading activity and financial performance.
• Cash flow statements and working capital metrics to assess liquidity improvements.
• Changes in net assets and equity to monitor financial strength trajectory.
• Director and management commentary on business plans and debt servicing capability.