Company Number: 12595233

Analysis Date: 2025-07-20 18:07 UTC

1. Credit Opinion: DECLINE
   NOY CONSULTING LIMITED shows no financial substance in its latest accounts. Over multiple years, the company reports zero net assets, zero liabilities, zero fixed assets, and no working capital. There is no evidence of trading activity or financial growth. This suggests the company is either dormant or inactive operationally, rendering it unable to service any credit facilities or meet financial obligations. No cash flow or profitability data is available to support credit risk mitigation. The single director’s background as a legal adviser is noted but does not compensate for the lack of financial activity.

2. Financial Strength:
   The balance sheet is flat with net assets and shareholders’ funds at zero for five consecutive years. No fixed or current assets have been recorded. Current liabilities are also zero, suggesting no operational payables. The company holds minimal share capital (£1) and no retained earnings or reserves, indicating no accumulated profitability or capital injection. The financial position is extremely weak with no buffer or equity to absorb financial shocks.

3. Cash Flow Assessment:
   There is no disclosed information on cash balances, income, or expenses. Net current assets are zero, implying no working capital to sustain ongoing operations or meet short-term obligations. The absence of creditors or debtors points to negligible or no trading activity. Liquidity cannot be confirmed and is presumed non-existent.

4. Monitoring Points:

• Confirm any changes in trading status or financial activity in future filings.
• Watch for any capital injections or asset acquisitions that might improve financial standing.
• Monitor director appointments or changes that could indicate strategic shifts.
• Review any filings indicating commencement of trading or revenue generation.