LW PROPERTY SOLUTIONS LTD

Executive Summary

LW Property Solutions Ltd is a micro-sized newly formed property letting company with minimal financial activity to date. Its balance sheet shows only initial share capital and director loans, reflecting a start-up stage with limited trading history. Credit approval is possible but should be conditional on future financial performance and cash flow development to mitigate risk.

LW PROPERTY SOLUTIONS LTD - Analysis Report

Company Number: 15022767

Analysis Date: 2025-07-29 13:14 UTC

1. Credit Opinion: APPROVE with conditions
   LW Property Solutions Ltd is a newly incorporated private limited company engaged in real estate letting and operating activities. Its financials for the initial accounting period to 31 July 2024 show minimal activity with net assets and shareholders' funds of £10, reflecting initial share capital. The company has no external debt and a modest working capital position. The directors are experienced individuals with full control and no adverse records. Given the very limited financial history and scale, approval is conditional on ongoing monitoring of trading performance and cash flow development before extending significant credit facilities.

2. Financial Strength:
   The balance sheet is extremely modest with net assets of £10 and no fixed or current assets disclosed beyond initial capital. Current liabilities are negligible and relate to loans from directors (£10). The company is solvent at this stage but has no financial buffer or accumulated profits, typical for a start-up. The absence of employees or operational scale limits assessment of financial resilience. The company's micro size and total exemption filing status indicate minimal complexity.

3. Cash Flow Assessment:
   Cash flow details are not provided, but the net current assets of £10 and absence of external liabilities suggest limited cash inflows/outflows so far. The company relies on director loans for funding, which may be informal and short-term. No operational cash generation is evident yet, so liquidity risk is present if the company undertakes expansion or incurs expenses without secured income. Working capital management will be critical as the business grows.

4. Monitoring Points:

• Development of revenue streams and profitability in subsequent periods.
• Cash flow generation and ability to meet any new credit commitments.
• Changes in working capital and any increase in liabilities or director loans.
• Timely filing of future accounts and confirmation statements.
• Any changes in director or significant control structure.
• Evidence of operational scale, such as asset acquisition or employee hiring.