JAWIBU LIMITED

Executive Summary

JAWIBU LIMITED is a very young micro-entity with a strong fixed asset base but minimal liquidity and no operating history to demonstrate cash flow or profitability. Credit approval is conditional pending further financial data and evidence of sustainable operations. Close monitoring of liquidity, profitability, and management execution will be essential before extending significant credit facilities.

JAWIBU LIMITED - Analysis Report

Company Number: 15258788

Analysis Date: 2025-07-20 17:57 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   JAWIBU LIMITED is a newly incorporated micro-entity with limited operating history and minimal financial disclosures. The company holds significant fixed assets (£180,917) relative to very modest current assets (£843), indicating a capital-intensive start-up phase but very limited liquidity. The director, who also controls 100% ownership and voting rights, appears committed but the lack of profitability data and cash flow statements requires caution. Credit approval is conditional on obtaining further financial performance data and business plan validation to confirm sustainable cash flows and debt servicing ability.

2. Financial Strength:
   The balance sheet as of 31 October 2024 shows net assets of £181,760, fully represented by fixed assets (£180,917) and minimal working capital (£843). The absence of current liabilities reported suggests no immediate short-term debts, which mitigates liquidity risk for now. However, the company’s asset base is predominantly fixed assets, which may not be easily liquidated for cash if needed. The shareholder’s funds equal net assets, indicating no external financing or debt leverage at this point.

3. Cash Flow Assessment:
   Current assets of £843 against no current liabilities suggest nominal working capital, but this level of liquidity is extremely limited for operational needs. The absence of profit and loss data and cash flow statements restricts assessment of operational cash generation or burn rate. Given the single employee (likely the director) and the micro-entity status, cash flow pressures may be minimal currently, but external financing or increased working capital will be necessary for growth or to meet financial obligations beyond fixed assets.

4. Monitoring Points:

• Monitor forthcoming profit and loss accounts and cash flow statements to assess operational viability and liquidity trends.
• Review any new debt or credit facilities taken on and their servicing performance.
• Watch for changes in working capital, especially current assets and liabilities, to gauge short-term financial health.
• Assess management’s strategic plans for asset utilization and revenue generation to support debt repayment.
• Confirm timely filing of future accounts and confirmation statements to ensure compliance and transparency.