P.J.D. PROPERTIES (WEST MIDLANDS) LIMITED

Executive Summary

P.J.D. Properties (West Midlands) Limited is a dormant entity with minimal financial presence and no operational history, rendering it unsuitable for credit facilities at this time. The company’s balance sheet and cash flow position show only nominal capital with no capacity to service debt. Credit approval is not recommended unless substantive business activity and financial strength emerge in the future.

P.J.D. PROPERTIES (WEST MIDLANDS) LIMITED - Analysis Report

Company Number: 13149134

Analysis Date: 2025-07-20 14:08 UTC

1. Credit Opinion: DECLINE
   P.J.D. Properties (West Midlands) Limited is a dormant company with minimal financial activity and no trading history. Its balance sheet shows nominal assets and equity of £100, indicating no operational cash flow or revenue generation. Without any financial performance or cash flow data, the company lacks the capacity to service debt or commercial obligations. The absence of employees and trading activity further supports an inability to repay credit. Therefore, extending credit is not advisable.

2. Financial Strength:
   The company’s financial position is extremely weak, with net assets and shareholders’ funds at a nominal £100. There are no fixed assets, receivables, or significant current assets beyond the minimal cash balance. The dormant status means no income or profit reserves exist, and the balance sheet reflects only the issued share capital. This provides no financial cushion or collateral value for credit risk mitigation.

3. Cash Flow Assessment:
   Cash flow is negligible, with only £100 cash reported and no trading activity to generate operational cash inflows. Working capital is positive but trivial (£100), insufficient to support any business operations or debt repayments. The lack of trading history means future cash flow projections are not possible, representing a liquidity risk.

4. Monitoring Points:

• Any change from dormant to active trading status should be closely monitored, including the first trading accounts filed.
• Watch for significant increases in assets, liabilities, or turnover indicating operational scale-up.
• Monitor director and shareholder changes that might affect control and financial strategy.
• Filing compliance should remain current to avoid regulatory risk.