S J WHOLESALER IMPORT & EXPORT LTD

Executive Summary

S J WHOLESALER IMPORT & EXPORT LTD is a dormant company with no financial activity or assets beyond nominal share capital. The lack of trading history and cash flow means it is not currently creditworthy for lending or credit facilities. Credit approval is declined due to absence of financial strength and liquidity.

S J WHOLESALER IMPORT & EXPORT LTD - Analysis Report

Company Number: 12654681

Analysis Date: 2025-07-20 19:04 UTC

1. Credit Opinion: DECLINE
   S J WHOLESALER IMPORT & EXPORT LTD is a dormant private limited company with no trading activity since incorporation in June 2020. The absence of any reported revenue, cash balance, or assets (other than nominal share capital of £1) means there is no evidence of operational cash flow or financial substance to support credit risk. Without trading history or financial performance, the company cannot demonstrate ability to service debt or meet commercial obligations. Consequently, it does not meet basic creditworthiness criteria for lending or credit extension.

2. Financial Strength:
   The balance sheet shows net assets of £1, representing the nominal share capital only. There are no current or fixed assets, no cash reserves, and no working capital. The dormant status confirms no transactions or business activity during the period. This minimal equity base and lack of financial resources indicate an extremely weak financial position with zero buffer against liabilities or economic stress.

3. Cash Flow Assessment:
   Cash reported is zero, and as a dormant entity, there are no operating inflows or outflows. Working capital is effectively nil. Without cash generation or liquid assets, the company cannot generate funds to repay loans, cover expenses, or manage short-term obligations. Liquidity risk is absolute as there is no operational or financial activity.

4. Monitoring Points:

• Monitor for any filing of accounts indicating commencement of trading or financial activity.
• Watch for changes in company status from dormant to active, as this would necessitate reassessment of credit risk.
• Observe director appointments or changes that might signal business development.
• Check for any PSC disclosures or changes in ownership/control that might affect credit evaluation.