INSPIRED PROPERTIES & RENTALS LIMITED

Executive Summary

Inspired Properties & Rentals Limited is a dormant entity with a consistently negative net asset position and no trading activity, leading to an insolvent balance sheet and insufficient liquidity. The company lacks the financial strength and cash flow to support credit exposure. Without operational change or capital infusion, credit facilities should be declined.

INSPIRED PROPERTIES & RENTALS LIMITED - Analysis Report

Company Number: 13546927

Analysis Date: 2025-07-20 17:26 UTC

1. Credit Opinion: DECLINE
   Inspired Properties & Rentals Limited is currently dormant and demonstrates persistent negative net assets (£-2,396) over the last three years, indicating ongoing liabilities exceeding assets without operational trading or income. The directors, who are dentists by occupation, suggest no active management focus on property operations. The company’s inability to generate revenue or maintain positive working capital raises substantial doubt about its ability to meet debt obligations or honor commercial agreements. For credit purposes, there is no demonstrated capacity to service debt or evidence of financial resilience.

2. Financial Strength:
   The balance sheet shows minimal current assets (£4) against current liabilities of £2,400, yielding a negative net working capital of £-2,396 consistently for three years. The company has no fixed assets and negative shareholders’ funds. Total net assets remain negative, indicating an insolvent balance sheet position. The dormant status means no trading activity to improve financial metrics. This weak financial position reflects a high risk profile with insufficient equity buffer.

3. Cash Flow Assessment:
   With no reported turnover, no employees, and no operational activity, cash flows are effectively nil. The company holds negligible cash or liquid assets (£4), while short-term liabilities of £2,400 remain unpaid or outstanding. There is no working capital to fund operations or debt service. The absence of cash inflow and persistent liabilities without repayment capacity signals poor liquidity and inadequate cash flow management.

4. Monitoring Points:

• If the company resumes trading, monitor revenue generation and profit margins closely.
• Track changes in current liabilities and whether they are settled or increase.
• Watch for any capital injections or shareholder loans that might improve net assets.
• Observe management changes or strategic shifts indicating a move towards active trading.
• Review updated accounts filings timely for any changes in financial position.