OAKBRIDGE PROPERTY SOLUTIONS LTD

Executive Summary

Oakbridge Property Solutions Ltd has shown a turnaround from net liabilities to net assets in the latest financial year but continues to face liquidity challenges with significant negative working capital. The company's financial position is fragile, requiring conditional credit approval contingent on improved cash flow visibility and ongoing monitoring of short-term liabilities. Director control and compliance are positive factors supporting a cautious credit stance.

OAKBRIDGE PROPERTY SOLUTIONS LTD - Analysis Report

Company Number: 12895286

Analysis Date: 2025-07-29 19:37 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Oakbridge Property Solutions Ltd shows a marked improvement in its financial position in the latest year ending 30 September 2024. The company moved from a significant net liability position (£-16,075 in 2023) to a modest net asset position (£8,684 in 2024). However, the company still has negative net current assets (£-62,624), indicating ongoing short-term liquidity challenges. The director has sole control and is maintaining compliance with filing deadlines, but the company’s ability to service debt and meet short-term obligations requires close monitoring. Credit approval can be considered on a conditional basis, subject to confirmation of cash flow plans and possibly additional security or guarantees.

2. Financial Strength:
   The balance sheet reflects a micro-entity with fixed assets reduced from £192,628 to £72,628, possibly due to asset disposals or impairments, which improved net asset position. However, current liabilities remain high at £95,875 against current assets of £33,251, resulting in net current liabilities. The company’s shareholders’ funds have turned positive, suggesting some recapitalization or retained earnings. Overall, the capital structure is fragile, with limited equity buffer and working capital deficits.

3. Cash Flow Assessment:
   Negative net current assets highlight working capital constraints, potentially limiting the company’s ability to cover short-term liabilities from operational cash flows. The increase in current assets from £40 to £33,251 is positive but still insufficient to cover current liabilities. There is no reported employee headcount, suggesting minimal payroll obligations. The absence of an audit and reliance on micro-entity provisions means cash flow details are limited; hence, liquidity risk remains a concern.

4. Monitoring Points:

• Monitor quarterly cash flow statements to ensure short-term liquidity improves or at least remains stable.
• Track current liabilities trends to avoid further increases that exacerbate working capital deficits.
• Watch for any changes in fixed asset levels that may impact collateral value.
• Review director’s commitment and any additional capital injections or financial support.
• Ensure continued timely filing of accounts and confirmation statements to mitigate regulatory risk.