PROTECT AND HELP THE POOR AND NEEDY INTERNATIONAL LIMITED

Executive Summary

Protect and Help the Poor and Needy International Limited is a very new and small charity with minimal financial resources and limited operating history. Its current financial position and cash flow are insufficient to support credit facilities or debt obligations. The charity’s ability to generate sustainable income and build financial resilience should be closely monitored before considering any credit exposure.

PROTECT AND HELP THE POOR AND NEEDY INTERNATIONAL LIMITED - Analysis Report

Company Number: 15126774

Analysis Date: 2025-07-20 11:42 UTC

1. Credit Opinion:
   DECLINE. Protect and Help the Poor and Needy International Limited is a newly incorporated charity (September 2023) with minimal financial history and very limited financial resources. The balance sheet shows net assets of only £61 and cash of £133 at the last reporting date (September 2024). Its income and expenditure are very small scale (£550 income, £489 expenditure), and it currently holds no significant liquid reserves. Given the low asset base, lack of trading history, and minimal working capital, the company is not in a position to service any meaningful debt or credit facility. Additionally, as a charity limited by guarantee without share capital, it does not have equity cushions typical of commercial entities. The financial scale and nature of operations imply a high risk profile for lending or trade credit.

2. Financial Strength:
   The financial strength is very weak. The company’s total assets less current liabilities amount to only £61, which is negligible. Current liabilities (£72) are low but nearly equal to cash on hand, resulting in net current assets of just £61. The charity operates on a very modest budget with nearly all income derived from donations. There are no fixed assets or investments to support financial stability. The charity appears to be in an early startup phase, with very limited operational scale and no retained earnings or reserves to absorb shocks.

3. Cash Flow Assessment:
   Liquidity is minimal with cash of £133 against current liabilities of £72. The charity generated a net cash inflow of £133 during the year, which is very small but positive. The working capital position is positive but extremely constrained, reflecting the limited operational activity. The organization relies on ongoing fundraising and donations to sustain operations. Given the low cash balances, any unexpected expenses or delays in donations could quickly lead to cash flow difficulties.

4. Monitoring Points:

• Monitor fundraising income trends and donor engagement to assess future income sustainability.
• Watch cash balances and current liabilities regularly to ensure liquidity remains positive.
• Review any increase in operating scale or commitments that could strain working capital.
• Track governance and management effectiveness, especially as the board and trustees build organizational capacity.
• Monitor compliance with charity regulations and timely filing of accounts to maintain good standing.