REGENCY VIEW LIMITED

Executive Summary

Regency View Limited is a newly incorporated real estate management company exhibiting early signs of financial distress with net liabilities and significant long-term creditor obligations. While short-term liquidity appears adequate and compliance is maintained, the lack of operational history and negative equity raise solvency concerns. Further investigation into creditor terms and business viability is recommended before considering investment.

REGENCY VIEW LIMITED - Analysis Report

Company Number: 14616354

Analysis Date: 2025-07-29 18:57 UTC

1. Risk Rating: HIGH
   The company shows net liabilities and negative shareholder funds shortly after incorporation, indicating financial distress at an early stage. The large amount of creditors due after more than one year relative to current assets and net current assets raises concerns about solvency and long-term viability.

2. Key Concerns:

• Negative Net Assets and Shareholders' Funds: The company has net liabilities of £1,115 and shareholder deficit of £1,215 as at the 2024 year-end, indicating insolvency on a balance sheet basis.
• Significant Long-Term Creditors: Creditors due after more than one year total £91,211, which is substantial relative to the company's current assets and working capital, implying reliance on external financing and potential repayment risks.
• No Employees and Early Stage: With zero employees and incorporation in 2023, there is limited operational track record or cash flow generation evidence, increasing uncertainty about business sustainability.

3. Positive Indicators:

• Current Assets Exceed Current Liabilities: The company shows net current assets of £90,096, suggesting short-term liquidity is currently sufficient to meet immediate obligations.
• No Overdue Filings: Both financial accounts and confirmation statements are up to date, indicating compliance with regulatory requirements so far.
• Clear Ownership and Control: The sole director and controlling shareholder is identified, which may facilitate swift decision-making.

4. Due Diligence Notes:

• Investigate the nature and terms of the £91,211 creditor balance falling due after more than one year—whether this is a loan, related party debt, or trade creditor, and assess repayment schedules and covenants.
• Ascertain the company's business model, revenue generation plans, and cash flow projections given the lack of employees and early stage of operation.
• Review director's plans for resolving the negative equity position and any capital injection or restructuring strategies.
• Verify the quality and recoverability of the debtor balance of £91,311 to confirm it is not overstated or impaired.