Company Number: 12758866

Analysis Date: 2025-07-29 18:47 UTC

1. Credit Opinion: DECLINE
   REAL NOT ROLE LIMITED, a micro-entity operating in internet retail sales, presents a very limited financial profile with minimal net assets (£180) and no operational staff. The company’s financials have remained static over several years, indicating no growth or meaningful business activity. The current asset to liability ratio is barely positive, showing minimal working capital cushion. Given the lack of turnover data, absent profitability information, and no indication of cash generation or trading activity, the ability to service any debt is questionable. The director also holds full control, which concentrates risk. Without evidence of revenue or profit, approval for credit facilities is not recommended.

2. Financial Strength:
   The balance sheet shows total net assets of just £180, with fixed assets at £120 and net current assets at £60, reflecting an extremely small capital base. Current liabilities are almost equal to current assets, leaving very little liquidity buffer. The company’s share capital is nominal (£20), and no reserves or retained earnings are reported. Over the last five years, the figures have not changed, suggesting either dormant status or minimal business activity despite the active company status. This financial position is weak and does not provide any comfort for loan repayment or creditor confidence.

3. Cash Flow Assessment:
   The micro-entity accounts provide no direct cash flow statement or profit and loss data, and the static balance sheet suggests minimal or no trading cash flow. The net current assets of £60 indicate very limited working capital to cover short-term obligations. The absence of employees and negligible asset base further imply that the company is not generating meaningful operating cash flows. Liquidity risk is high, and there is no available information to assess cash inflows or outflows, making it unsuitable for extending credit based on cash flow metrics.

4. Monitoring Points:

• Monitor any future filing of profit and loss accounts or cash flow statements to assess operational performance.
• Track changes in current assets and liabilities to detect any improvement in working capital or liquidity position.
• Watch for turnover declarations or trading updates that demonstrate revenue generation capacity.
• Review director conduct and company status for any changes in ownership or governance that might impact credit risk.