M & O SIR LIMITED

Executive Summary

M & O SIR LIMITED is a dormant entity with no trading history or financial activity since incorporation. Its minimal financial base and lack of cash flow preclude credit approval at this stage. Credit consideration should be deferred until the company demonstrates active trading and financial viability.

M & O SIR LIMITED - Analysis Report

Company Number: 14094611

Analysis Date: 2025-07-20 12:40 UTC

1. Credit Opinion:
   DECLINE. M & O SIR LIMITED is a dormant private limited company with minimal financial activity since incorporation in May 2022. The company has not generated revenue or incurred expenses, indicating no operational trading history or cash flow. The net asset base is nominal (£100), consisting solely of share capital, with no evidence of underlying business activity or financial strength to support debt servicing. Without operational performance or financial data demonstrating capacity to repay credit facilities, extending credit would be high risk.

2. Financial Strength:
   The balance sheet reflects a dormant status with only £100 in cash and shareholders' funds matching that amount. There are no fixed or current assets beyond this minimal cash balance, and no liabilities reported. The company has not built equity or accumulated reserves. This extremely limited financial base provides no cushion or collateral for credit risk mitigation.

3. Cash Flow Assessment:
   Cash flow is negligible and static at £100 over the last three financial years, confirming no trading or working capital activity. Absence of current assets, receivables, or stock means no liquidity beyond the nominal cash holding. The company’s dormant classification confirms it has not engaged in business operations requiring cash flow management.

4. Monitoring Points:

• Any future trading activity or change from dormant status, including filing of full accounts with income and expenses.
• Financial performance metrics such as turnover, profitability, and working capital generation once operational.
• Changes in net assets or shareholder funds indicating capital injections or losses.
• Directors’ updates on business plans or credit requirements.