RADIUS PAYMENT SOLUTIONS LIMITED

Executive Summary

Radius Payment Solutions Limited is a recently incorporated dormant entity with no trading history and minimal financial substance. The company lacks the financial strength and cash flow necessary to support credit. Credit approval is not recommended at this stage; reassessment should occur only if meaningful operational and financial performance emerges.

RADIUS PAYMENT SOLUTIONS LIMITED - Analysis Report

Company Number: 14655929

Analysis Date: 2025-07-20 13:40 UTC

1. Credit Opinion: DECLINE
   Radius Payment Solutions Limited is a dormant company with negligible financial activity and virtually no operational history since incorporation in February 2023. The company’s financials show only £1 in cash and net assets, indicating it has not generated any revenue or established any substantive asset base. There is no evidence of trading performance or cash flow to support servicing debt or credit facilities. Given the lack of financial data, operating track record, and business activity, the risk of extending credit is high and unjustified at this stage.

2. Financial Strength:
   The balance sheet is minimal and reflects a dormant status, with just £1 in cash and shareholder funds. There are no liabilities or assets beyond the nominal share capital, indicating no operational scale or financial depth. The company is fully controlled by Radius Limited, suggesting it may be a holding or shell entity rather than a standalone trading business.

3. Cash Flow Assessment:
   Cash flow is non-existent beyond a nominal balance of £1. There are no current assets or working capital to support operations or debt servicing. The company’s dormant status means it is not generating cash inflows or incurring meaningful operating expenses. Liquidity is effectively zero for any practical business purposes.

4. Monitoring Points:

• Watch for submission of future accounts showing commencement of trading and financial performance.
• Monitor changes in company status from dormant to active with operational financials.
• Track director appointments and any related-party transactions with Radius Limited or affiliates.
• Verify any proposed credit facility is backed by substantive business activity or group support before reconsideration.