MONI24CARE LIMITED

Executive Summary

Moni24Care Limited is a micro-entity start-up in residential care with a positive net asset base comprised entirely of cash. While the company shows no liabilities and clear ownership, the limited trading history constrains credit risk assessment. Conditional credit approval is recommended with close monitoring of future trading results and cash flow development to ensure ongoing repayment capacity.

MONI24CARE LIMITED - Analysis Report

Company Number: 14808986

Analysis Date: 2025-07-29 21:03 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Moni24Care Limited is a newly incorporated private limited company operating in the residential care sector. The company demonstrates a modest but positive net asset base of £14,612 as of 30 April 2024, indicating initial equity funding and working capital availability. However, the lack of trading history beyond the first 12 months and absence of profit and loss data limit the ability to fully assess ongoing cash generation and operational performance. The single director and sole shareholder, Mrs. Monika Krupka, is directly involved and controls the company, suggesting clear accountability. Given the early stage of the business lifecycle, credit facilities could be considered but should be subject to careful monitoring and limited exposure initially.

2. Financial Strength:
   The balance sheet shows a small but positive net asset position (£14,612) solely composed of cash at bank, with no reported liabilities. This indicates no gearing or debt burden at present, which supports financial stability. The company qualifies as a micro entity, with minimal fixed assets and only one employee, implying low overheads but also limited scale. The absence of audit and no profit and loss filing are typical for a small start-up but restrict insight into profitability or revenue trends. Overall, the financial footing is sound but nascent.

3. Cash Flow Assessment:
   Cash holdings of £14,612 provide immediate liquidity and working capital to support initial operations. There are no current liabilities reported, so no short-term liquidity strain is evident. However, given the start-up status, cash flow visibility is limited, and future inflows from trading are unconfirmed. The business should maintain tight control over cash burn and ensure revenue generation to sustain liquidity going forward.

4. Monitoring Points:

• Review next filed accounts with profit and loss data to assess revenue growth and profitability.
• Monitor cash flow statements to confirm operational cash generation and avoid liquidity shortages.
• Watch for any increases in liabilities or credit usage that might stress working capital.
• Track director and shareholder involvement and any changes in control or governance.
• Assess sector risks in residential care, including regulatory changes and demand shifts.