O'BRIEN PROPERTY HOLDINGS LIMITED

Executive Summary

O'Brien Property Holdings Limited is a recently incorporated real estate company presenting early signs of financial stress, evidenced by negative working capital and reliance on director loans. While regulatory compliance is maintained and tangible assets exist, the lack of operational history and current liabilities exceeding current assets warrant close scrutiny. Further due diligence is recommended focusing on liquidity sources and business viability.

O'BRIEN PROPERTY HOLDINGS LIMITED - Analysis Report

Company Number: 14762023

Analysis Date: 2025-07-19 12:32 UTC

1. Risk Rating: HIGH
   Justification: The company shows net current liabilities and negative shareholders’ funds soon after incorporation, indicating financial instability. It relies on director loans to meet obligations, which may not be sustainable long term. The company has minimal operational history and no audit, increasing uncertainty.

2. Key Concerns:

• Negative net current assets (£-66,398) and net liabilities (£-418) suggest solvency risk and potential inability to meet short-term obligations without additional funding.
• Reliance on director loans (£33,199 each owed to two directors) implies cash flow constraints and dependence on insiders for liquidity.
• Being newly incorporated (March 2023) with only one set of unaudited accounts limits historical financial insight and operational track record, increasing uncertainty about business viability.

3. Positive Indicators:

• The company is fully compliant with filing deadlines for accounts and confirmation statements, indicating good regulatory standing.
• Directors have adopted the going concern basis, suggesting some confidence in continued operation.
• Tangible fixed assets (land and buildings valued at £65,980) provide a base of non-current assets which could support operations or collateral for financing.

4. Due Diligence Notes:

• Investigate the nature and terms of director loans to assess repayment prospects and impact on cash flow.
• Obtain clarity on the business plan and revenue projections to evaluate operational sustainability given current financial position.
• Review any related party transactions and governance practices given directors’ dual roles as lenders and controllers.
• Confirm the valuation and marketability of tangible fixed assets stated on the balance sheet.
• Monitor future filings for improvement or deterioration in financial position and cash flow.