PSYCHOLOGICALLY INFORMED ENVIRONMENTS PROMOTION AND RESEARCH CIC

Executive Summary

Psychologically Informed Environments Promotion and Research CIC is a newly formed entity with no operational or financial activity reported in its first accounting period. The lack of assets, income, or cash flow data precludes a positive credit assessment at this stage. Monitoring future financial filings and operational progress is essential before reconsidering credit exposure.

PSYCHOLOGICALLY INFORMED ENVIRONMENTS PROMOTION AND RESEARCH CIC - Analysis Report

Company Number: NI702285

Analysis Date: 2025-07-20 17:27 UTC

1. Credit Opinion: DECLINE
   The company is newly incorporated (2023) and has filed its first set of accounts for a short initial period ending 30 September 2024. The financials show zero assets, zero liabilities, zero net assets, and no recorded turnover or profit/loss. There is no trading history or financial performance to assess its ability to service debt or meet commercial obligations. Additionally, the company has no employees and no director remuneration, indicating it is either dormant or in a pre-operational stage. This lack of financial activity and operational data presents a high credit risk with no evidence of financial resilience or management track record in this entity.

2. Financial Strength:
   The balance sheet is completely neutral with zero fixed assets, zero net current assets, and zero shareholders’ funds. This reflects no capital invested or resources available within the company at this time. The absence of tangible or intangible assets and working capital indicates no financial cushion to absorb shocks or fund growth. Given the company is limited by guarantee and has no share capital, there is no equity base to support borrowing.

3. Cash Flow Assessment:
   There is no data on cash or current asset balances, nor any current liabilities. The absence of employees and director remuneration suggests minimal or no cash outflows. However, the lack of any recorded income or funding inflows means the company does not currently generate cash flow or working capital. Without cash reserves or operational cash generation, the company cannot service debt or meet short-term obligations.

4. Monitoring Points:

• Future filed accounts to assess the commencement of trading activities and revenue generation.
• Cash flow statements and profit/loss accounts when available to evaluate operational performance.
• Any changes in net assets or funding injections that would strengthen the balance sheet.
• Director appointments and any changes in management or ownership control that might affect governance and risk profile.
• Confirmation of operational activities consistent with SIC codes to verify business model viability.