IZABELKA LTD

Executive Summary

IZABELKA LTD is a newly formed micro-entity with negligible financial substance and no operating history, making it unable to support credit at this time. The balance sheet reflects only initial share capital with no assets or income. Without evidence of business activity or cash flow, credit facilities would be high risk and cannot be recommended currently.

IZABELKA LTD - Analysis Report

Company Number: 14737159

Analysis Date: 2025-07-29 13:15 UTC

1. Credit Opinion: DECLINE
   IZABELKA LTD is a newly incorporated micro-entity with minimal financial activity, reporting net assets and shareholders' funds of just £1 as at 31 March 2024. The absence of any operational revenue, employees, or material assets indicates no current trading or cash generation capability, making it unable to service debt or meet financial obligations. The sole director and 100% owner holds full control, but there is no evidence of financial performance or business traction. Extending credit or facilities at this stage presents high risk without additional collateral or guarantees.

2. Financial Strength:
   The balance sheet shows nominal figures—total assets less current liabilities of £1 and net assets of £1—reflecting the company's initial setup stage rather than an operating business. No fixed or current assets beyond the called-up share capital are reported, and no liabilities are disclosed. This extremely thin capitalization and lack of operating assets mean financial strength is negligible.

3. Cash Flow Assessment:
   No financial statements indicate cash flow generation, liquidity, or working capital. The company reports zero employees and does not disclose any turnover or profit/loss figures. Given its micro-entity status and early stage, it likely has limited or no cash reserves and no ongoing trading cash inflows. Cash flow ability to service debt or fund operations is therefore non-existent.

4. Monitoring Points:

• Future filing of accounts showing trading performance, revenue, and profitability.
• Cash flow statements and liquidity ratios once operational.
• Any significant changes in ownership, director appointments, or financial structure.
• Evidence of contracts, client base, or business development to assess going concern.
• Payment history and any credit enquiries or defaults in future periods.