Company Number: 15047586

Analysis Date: 2025-07-29 12:57 UTC

1. Credit Opinion: APPROVE with caution. Pro Drywall Fix Ltd is a newly incorporated private limited company in the construction sector with only one financial year completed. The company shows positive net assets and working capital with no overdue filings, indicating sound compliance and initial financial stability. However, limited trading history and modest asset size warrant monitoring. The single director and 100% shareholder control by Mr. Stanulis suggest centralized management, which is common in SMEs but requires close oversight of governance and cash flow.

2. Financial Strength: The company reports net assets of £32,891 as of 31 August 2024, with fixed assets representing £19,236 of this total. Current assets exceed current liabilities by £23,185, reflecting a positive working capital position. Total liabilities include £27,318 current and £9,530 long-term creditors, which the company appears capable of covering with available assets. The micro-entity reporting framework and absence of audit limit insight into profitability and debt service capacity, but balance sheet indicators suggest a modest yet stable financial base for its first year of operations.

3. Cash Flow Assessment: Current assets of £50,503 relative to current liabilities of £27,318 imply adequate short-term liquidity. Positive net current assets suggest the company can meet its immediate obligations without distress. The presence of six employees implies ongoing payroll commitments, so cash flow will need continual monitoring, especially as contracts and receivables mature. No profit and loss data is available, so cash generation from operations is unverified. Early-stage businesses often face cash flow volatility, so prudent cash management is essential.

4. Monitoring Points:

• Track timely filing of annual accounts and confirmation statements to ensure regulatory compliance.
• Monitor cash flow trends and working capital fluctuations as new contracts are undertaken.
• Review any changes in director or shareholder structure that may affect control or financial strategy.
• Observe any increases in liabilities that could strain liquidity.
• Obtain future profit and loss data to assess operational profitability and debt service capacity.
• Watch for expansion in fixed assets or employee numbers that could indicate growth or increased risk exposure.