NH PROPERTY HUB LTD

Executive Summary

NH Property Hub Ltd shows a tangible asset base in investment property and improved net assets, supporting its going concern status. However, significant current liabilities relative to cash and current assets highlight short-term liquidity risks that warrant close monitoring. Regulatory compliance is satisfactory, but concentrated ownership and high short-term obligations suggest moderate risk requiring further financial and operational due diligence.

NH PROPERTY HUB LTD - Analysis Report

Company Number: 14357960

Analysis Date: 2025-07-29 18:26 UTC

1. Risk Rating: MEDIUM
   The company demonstrates positive net assets and improved working capital in its latest financial year; however, current liabilities remain substantially high relative to current assets, raising solvency and liquidity concerns that moderate the risk rating.

2. Key Concerns:

• High Current Liabilities vs. Low Current Assets: As of 31 December 2024, current liabilities (£80,937) significantly exceed current assets (£14,670), indicating potential short-term liquidity stress despite a positive net current assets figure reported (likely due to classification nuances).
• Limited Cash Reserves: Cash on hand is relatively low (£3,920) compared to liabilities, which could pressure day-to-day operations and ability to meet immediate obligations.
• Single Director and Shareholder Concentration: The company is controlled entirely by one individual, which may pose governance risks and reduce oversight or resilience to key person risk.

3. Positive Indicators:

• Growing Net Assets: Net assets improved from £30,222 in 2023 to £44,204 in 2024, suggesting an increase in retained earnings or asset value.
• Investment Property Held at Fair Value: The company holds investment property valued at £111,175, providing a tangible asset base that supports long-term stability and potential collateral for financing.
• Compliance and Filing Status: All statutory filings, including accounts and confirmation statements, are up to date with no overdue reports, indicating good regulatory compliance.

4. Due Diligence Notes:

• Clarify Nature and Terms of Current Liabilities: Investigate the composition of current liabilities, particularly any short-term borrowings or creditor concentrations, to assess refinancing or repayment risks.
• Debt Maturity Profile: Confirm whether any borrowings classified as current liabilities can be reclassified or renegotiated to reduce liquidity pressure.
• Property Valuation Details: Obtain the valuation report or methodology for the investment property to verify its fair value and marketability.
• Cash Flow Analysis: Review cash flow statements or management accounts to understand operational cash generation and timing of receivables and payables.
• Director and Governance Oversight: Assess the director’s experience, additional controls in place, and whether any additional management resources are planned to mitigate single-person control risks.