MPB SOLUTIONS LTD

Executive Summary

MPB SOLUTIONS LTD is a micro-entity with very limited financial resources and minimal net assets, showing slight decline in working capital and no employees. Its fragile balance sheet and constrained liquidity indicate insufficient capacity to support additional credit risk. Given its financial scale and lack of growth indicators, credit approval is not recommended at this stage.

MPB SOLUTIONS LTD - Analysis Report

Company Number: 13106839

Analysis Date: 2025-07-20 11:16 UTC

1. Credit Opinion: DECLINE. MPB SOLUTIONS LTD exhibits very limited financial scale and minimal net asset base, with net assets declining slightly from £875 in 2022 to £770 in 2023. The company has no employees and presents a micro-entity profile with very small working capital. The minimal net current assets and lack of growth indicators suggest insufficient financial robustness to support new or extended credit facilities. The company’s ability to service debt or meet significant commercial obligations appears constrained, presenting a higher risk profile for lending.

2. Financial Strength: The company’s balance sheet is extremely modest, with current assets of £11,038 barely exceeding current liabilities of £10,268, leaving a net current asset position of only £770 at the end of 2023. Net assets and shareholder funds are similarly small at £770. There is a downward trend from 2022 figures, indicating a very slight deterioration. Absence of fixed assets and reliance on current assets highlight limited capital investment and cushion against shocks. The company’s micro classification and negligible share capital (£100) underscore its fragile financial footing.

3. Cash Flow Assessment: Current assets predominantly comprise liquid or near-liquid assets, but the low working capital surplus of £770 indicates tight liquidity. The company’s operations do not employ staff and presumably have low overheads, but the narrow margin between current assets and liabilities implies limited ability to absorb cash flow variability or unexpected expenses. Absence of disclosed profit and loss data restricts detailed cash flow analysis, but the static or declining asset base suggests limited cash generation capacity.

4. Monitoring Points:

• Monitor net current assets and net asset trends for any signs of further deterioration.
• Review timely filing of accounts and confirmation statements to ensure ongoing compliance.
• Watch for any material changes in business activity or capital structure, especially any increase in liabilities or negative cash flows.
• Track director and ownership stability, noting that control is concentrated with one individual.
• Assess any operational developments that could affect revenue streams or working capital needs.