ONE FEE LIMITED

Executive Summary

One Fee Limited demonstrates a persistently weak financial position with significant net liabilities and negative working capital, rendering it unable to support new credit. The company’s micro-entity scale and lack of assets further impair its creditworthiness. Given the absence of financial improvement, credit approval is not recommended at this stage.

ONE FEE LIMITED - Analysis Report

Company Number: 13692163

Analysis Date: 2025-07-29 14:14 UTC

1. Credit Opinion: DECLINE
   One Fee Limited exhibits significant financial distress with persistent net liabilities of £45,287 and no indication of improvement over three reported years. The company’s inability to generate positive net assets or working capital suggests it lacks the financial capacity to service new credit facilities. The micro-entity status and minimal asset base further constrain its repayment capability. Without evidence of revenue growth, profitability, or capital injection, extending credit would carry high risk.

2. Financial Strength:
   The balance sheet is weak, showing consistently negative net current assets and shareholders’ funds at -£45,287. Current assets remain nominal at £644, while current liabilities are sizable at £45,931, indicating a substantial liquidity gap. The absence of fixed assets or other tangible resources reduces collateral value. The company’s capitalization is negative, reflecting accumulated losses or shareholder loans, undermining its solvency.

3. Cash Flow Assessment:
   With current assets far below current liabilities, liquidity is critically insufficient. The company’s working capital position is deeply negative (-£45,287), implying difficulty in meeting short-term obligations. No cash flow statements were provided, but the balance sheet position strongly suggests ongoing cash flow constraints. Minimal employee count (1) and micro status imply limited operational scale and cash generation.

4. Monitoring Points:

• Watch for improvements in net current assets and net assets in future filings.
• Track any capital injections or debt restructuring to improve liquidity.
• Monitor turnover and profitability trends once available to assess operational viability.
• Review director actions and any changes in shareholder structure that might impact financial stability.