JAMES W BARING LTD

Executive Summary

James W Baring Ltd is a recently established micro-entity with minimal financial resources and limited trading history. The company’s balance sheet shows a very small net asset base and tight working capital, constraining its ability to take on significant credit risk. Conditional approval is recommended with careful monitoring of liquidity, capital growth, and operational performance in future periods.

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Company Analysis

This analysis is opinion only and should not be interpreted as financial advice.

JAMES W BARING LTD - Analysis Report

Company Number: 14801558

Analysis Date: 2025-07-29 19:13 UTC

  1. Credit Opinion: CONDITIONAL APPROVAL
    James W Baring Ltd is a newly incorporated micro-entity operating in the real estate agency sector. The company has minimal financial history with only one reporting period. Current assets marginally exceed current liabilities, resulting in a very thin positive working capital of £36. The company’s net assets and shareholders funds stand at a nominal £36, indicating limited capitalisation. While no red flags such as overdue filings or director disqualifications exist, the very small scale and limited financial resources restrict credit exposure. Approval for modest credit limits may be considered, contingent on monitored improvement in liquidity and capitalisation.

  2. Financial Strength:
    The balance sheet reflects a micro-entity with minimal resources. Current assets of £2,303 slightly cover current liabilities of £2,267, leaving a marginal net current asset position of £36. No fixed assets or long-term liabilities are reported. The net asset position is positive but nominal, reflecting initial capital contributions rather than accumulated earnings. This thin equity base and absence of tangible assets suggest limited financial buffer against adverse events.

  3. Cash Flow Assessment:
    Cash and liquid assets are minimal, with no detailed cash flow statements available. The closeness of current assets to current liabilities indicates tight liquidity. The company employs one person (the director), suggesting low operating costs. However, the ability to service debt or absorb unexpected expenses is limited. Working capital management will be critical to sustaining operations.

  4. Monitoring Points:

  • Subsequent annual accounts to assess growth in assets, profitability, and equity.
  • Cash flow statements to monitor liquidity trends.
  • Timely filing of accounts and confirmation statements to avoid compliance risks.
  • Business performance indicators such as revenue growth, client acquisition, and expense control.
  • Any changes in director or ownership structure, especially as control is highly concentrated.

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