PAUL A. WILSON LTD

Executive Summary

PAUL A. WILSON LTD is a micro-entity with a bare minimum balance sheet showing only nominal share capital and no net current assets. The company’s lack of operational scale, revenue, and liquidity presents a significant credit risk. Without evidence of trading activity or cash generation, credit facilities cannot be supported at this time.

PAUL A. WILSON LTD - Analysis Report

Company Number: 13062557

Analysis Date: 2025-07-20 16:50 UTC

1. Credit Opinion: DECLINE
   PAUL A. WILSON LTD shows minimal financial substance with net assets of only £100 and zero net current assets, indicating no working capital buffer. The company has no employees besides the director and no reported trading activity or income in the latest accounts, suggesting limited operational scale or revenue generation. This lack of financial depth and absence of cash flow raises significant concerns about the company's ability to service any debt or credit facilities. Consequently, extending credit would expose the bank to high risk without adequate collateral or repayment capacity.

2. Financial Strength:
   The balance sheet is extremely thin with total assets less current liabilities consistently at £100 over recent years, reflecting only the issued share capital. No fixed or current assets beyond this nominal amount are reported, and net current assets remain at zero, indicating no liquid resources to meet short-term obligations. The company is classified as a micro entity with minimal filing requirements, and its financial position has remained static, showing no growth or accumulation of reserves.

3. Cash Flow Assessment:
   No cash flow or income statement data was filed, which is typical for micro-entities but leaves the liquidity position unclear. The absence of employees and reported activity suggests the company is either dormant or engaged in very limited business operations. Without any working capital or evidence of revenue, the company likely lacks the ability to generate cash internally or service external liabilities.

4. Monitoring Points:

• Review any future filed accounts for evidence of trading activity or improved working capital.
• Monitor director filings or any changes in ownership that might indicate a restructuring or injection of funds.
• Watch for late filings or signs of financial stress such as overdue accounts or changes in company status.
• Should the company seek credit, require detailed management accounts and cash flow forecasts before reassessment.