PROPERTY BEAR GROUP LTD

Executive Summary

PROPERTY BEAR GROUP LTD is a very early-stage micro-entity with no operating history and a negative net asset position. Its current financial state shows insufficient liquidity and working capital to support credit facilities. Given these factors, credit approval is not recommended at this time until the company demonstrates improved financial stability and operational cash flow generation.

PROPERTY BEAR GROUP LTD - Analysis Report

Company Number: 15251760

Analysis Date: 2025-07-29 12:10 UTC

1. Credit Opinion: DECLINE
   PROPERTY BEAR GROUP LTD is a newly incorporated micro-entity, operational since November 2023, with limited financial history. The latest accounts (to 30 Nov 2024) show net liabilities of £1,286, with current liabilities (£1,500) exceeding current assets (£214), indicating negative working capital. No fixed assets or retained earnings exist. Lack of positive net assets and operating history raises concerns about the company’s ability to service debt or meet short-term obligations. The company is still in formation or early startup phase with no employees and minimal financial substance, making credit extension high risk at this stage.

2. Financial Strength:
   The balance sheet reveals a weak financial position. The company holds no fixed assets and very low current assets (£214) against current liabilities of £1,500, resulting in a net current liability position of £1,286. Shareholders’ funds are negative by the same amount. This deficit equity position reflects initial startup losses or capital structure issues. No long-term liabilities or provisions are reported. Overall, the balance sheet is fragile with no buffer to absorb financial stress.

3. Cash Flow Assessment:
   Current assets are minimal and likely consist of cash or receivables, while liabilities are short term and exceed assets. Negative net working capital suggests liquidity constraints; the company may struggle to meet immediate payment obligations without additional capital injection. Absence of employees or operational scale implies no ongoing cash inflows from trading yet. The cash flow profile is therefore insufficient to support credit facilities.

4. Monitoring Points:

• Monitor subsequent filings for improvements in net assets and working capital position.
• Track cash flow development as business operations commence and revenue generation begins.
• Review management actions on capital structure, including potential equity injections or debt restructuring.
• Watch for any director changes or adverse notices impacting governance quality.
• Evaluate trade creditor payment patterns if credit is extended in future.