METALBYBRIAN LIMITED

Executive Summary

Metalbybrian Limited is a newly formed micro-entity with a negative equity position and working capital deficit, indicating poor financial health and limited ability to service debt. The lack of trading history and minimal asset base further increase credit risk. Credit approval is not recommended at this stage without significant improvement in financial metrics and operational evidence.

METALBYBRIAN LIMITED - Analysis Report

Company Number: 15303955

Analysis Date: 2025-07-20 14:59 UTC

1. Credit Opinion: DECLINE
   Metalbybrian Limited shows a weak financial position with negative shareholders' funds (-£2,585) indicating an insolvent balance sheet. The current liabilities (£6,570) exceed current assets (£2,011), resulting in negative net working capital and poor liquidity. Being a very recently incorporated micro-entity (incorporated Nov 2023) with no employees and limited trading history, there is insufficient evidence of stable cash flow or business resilience. The director is also the sole significant controller, which concentrates risk. Given the negative equity and liquidity shortfall, the company currently lacks capacity to reliably service any credit facility.

2. Financial Strength:

• Fixed assets are minimal (£3,424), with no significant tangible or intangible assets as security.
• Current liabilities significantly exceed current assets, resulting in a working capital deficit of approximately £4,559.
• Shareholders’ funds are negative, reflecting accumulated losses or initial capital shortfall.
• The company has £1,000 of creditors due after one year and £450 accruals, further stressing liquidity.
• No retained earnings or reserves support financial stability.

3. Cash Flow Assessment:

• Negative net current assets indicate potential cash flow stress and inability to meet short-term obligations.
• No employees and no detailed P&L data suggest limited or nascent operations with uncertain revenue generation.
• The absence of an audit and reliance on micro-entity provisions limit the depth of financial insight.
• The director’s occupation as fabricator and sole controller may imply limited external financial oversight or diversification of expertise.

4. Monitoring Points:

• Quarterly updates on cash flow and working capital position to assess liquidity trends.
• Confirmation of any new contracts or revenue streams that could improve operating cash flow.
• Review of director’s financial support or guarantees in absence of company-generated liquidity.
• Watch for any overdue filings or changes in company status indicating operational difficulties.
• Monitor any increase in liabilities or asset acquisitions that could affect solvency.