JO CADMAN CONSULTING LTD

Executive Summary

Jo Cadman Consulting Ltd is currently dormant with negligible financial substance, no trading activity, and minimal assets. The company lacks the financial capacity and cash flow to support credit facilities, leading to a credit decline recommendation. Monitoring future operational and financial developments is advised before reconsidering credit exposure.

JO CADMAN CONSULTING LTD - Analysis Report

Company Number: 13845569

Analysis Date: 2025-07-29 18:37 UTC

1. Credit Opinion: DECLINE
   Jo Cadman Consulting Ltd has been dormant for the latest reporting period, with no trading activity, income, or expenses recorded. Historical financials indicate minimal turnover and negligible assets, reflecting a lack of operating scale or cash generation ability. The company’s financial position is extremely weak, with net assets of only £1 and no working capital. There is no evidence of trading or revenue generation to support debt servicing or commercial credit exposure. The business lacks financial resilience and cash flow, making it unsuitable for credit extension at this time.

2. Financial Strength:
   The balance sheet is effectively nominal, with net assets of £1 and zero fixed or current assets in the latest year. Previously reported turnover was very low (£1,499 in 2024) and fixed assets have been immaterial. The company has no liabilities, but also no substantive equity or retained earnings. The dormant status and lack of trading activity undermine financial strength and capital base.

3. Cash Flow Assessment:
   Cash and current assets are reported as zero in the latest period, with no working capital available. Historically, cash was minimal (£2,035 in 2022) and current liabilities insignificant. There is no evidence of operating cash flow or liquidity to meet financial obligations. The company’s cash position is inadequate to support credit risk.

4. Monitoring Points:

• Monitor for resumption of trading activity and revenue generation.
• Watch for any changes in asset base or working capital improvements.
• Track director’s strategic plans for business development or capitalization.
• Review future filings for indicators of financial stabilization or growth.