Company Number: 14367227

Analysis Date: 2025-07-29 14:05 UTC

1. Credit Opinion: DECLINE
   OUR HOMES GROUP LTD is a dormant private limited company with minimal financial activity since incorporation in 2022. The company has no trading history or revenues, and its balance sheet shows a nominal net asset value of £1 with almost no cash reserves. There is no evidence of operational cash flow or financial performance to support debt servicing capability. Given its dormant status and lack of financial substance, the company is not currently creditworthy for lending or commercial credit facilities.

2. Financial Strength:
   The company’s balance sheet is effectively nominal, with net assets and shareholders’ funds recorded at £1 for the last three years. There are no fixed assets, no current assets beyond a token cash balance of £1, and no liabilities. This suggests the company is maintained primarily as a holding entity without active business operations or financial substance. The company’s financial position is very weak from a credit perspective, lacking any buffer or capital to absorb operational losses or fund working capital.

3. Cash Flow Assessment:
   Cash flow assessment is not applicable as the company is dormant with no trading activity or revenue generation. The current cash balance of £1 indicates an absence of liquidity to meet any financial obligations beyond minimal administrative expenses. There is no working capital available, and the company’s financial statements confirm no activity requiring audit or detailed financial review.

4. Monitoring Points:

• Monitor any change in company status from dormant to active trading, including updated financial statements showing revenue and profitability.
• Watch for changes in directors or significant control that might indicate a strategic shift or capital injection.
• Review future filings for indications of operational activity, cash flow generation, and asset acquisition.
• Assess any forthcoming borrowing or credit requests in the context of updated financial performance.