RAZ CONSTRUCT LIMITED

Executive Summary

Raz Construct Limited is an early-stage micro-entity with minimal capitalization and no operational financial history, resulting in a high credit risk. Its current financial position is insufficient to support borrowing or credit without substantial development and capital support. Future credit consideration should await demonstrable business activity and improved financial metrics.

RAZ CONSTRUCT LIMITED - Analysis Report

Company Number: 15075190

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

1. Credit Opinion: DECLINE
   Raz Construct Limited is a newly incorporated micro-entity (incorporated in August 2023) with minimal financial history and very limited net assets (£100) as at 31 August 2024. The company’s balance sheet shows only the initial share capital and no operating assets or liabilities. There is no evidence of revenue generation, profitability, or cash flow from operations. Given the absence of trading history and negligible financial resources, the company lacks demonstrated capacity to service debt or meet credit obligations. Its nascent stage and minimal capitalization pose significant credit risk.

2. Financial Strength:
   The balance sheet is extremely thin, showing only called-up share capital of £100 and net assets totaling the same amount. There are no fixed or current assets beyond this, and no reported liabilities. The company qualifies as a micro-entity and has filed unaudited accounts. With only 2 employees and no operational scale or working capital, the financial base is fragile. The lack of tangible assets or retained earnings means the company does not have a financial cushion to absorb business shocks or fund growth.

3. Cash Flow Assessment:
   No cash or current asset data is presented beyond share capital. Without reported cash balances or trade receivables, the liquidity position is indeterminate but likely minimal. The company’s ability to generate positive cash flow from operations is unproven due to its very recent formation and no trading history disclosed. Working capital is effectively zero, which would limit its ability to cover short-term obligations or finance ongoing operations without additional capital injections.

4. Monitoring Points:

• Track future filings for evidence of revenue growth and profitability.
• Monitor cash flow statements when available to assess liquidity improvements.
• Review any increase in net assets and working capital indicative of operational scale-up.
• Watch for timely filing of accounts and confirmation statements to gauge compliance.
• Observe any director changes or additional capital injections that might affect credit risk.