S&E PROPERTY DEVELOPMENT LTD

Executive Summary

S&E Property Development Ltd is a micro-entity with extremely limited financial resources and no demonstrated trading or cash flow capability. Its balance sheet is minimal and stable at a very low level, offering no buffer for credit risk. Consequently, credit facilities are not recommended without substantial guarantees or collateral.

S&E PROPERTY DEVELOPMENT LTD - Analysis Report

Company Number: 13395694

Analysis Date: 2025-07-20 17:29 UTC

1. Credit Opinion: DECLINE
   S&E Property Development Ltd is a micro-entity with minimal financial data and very limited net assets (£200 as of 31 May 2024). The company shows negligible financial scale and lacks any meaningful working capital or asset base to secure or service credit facilities. The small and stable net current assets at a low level and absence of turnover or profitability data indicate no demonstrated capacity to generate cash flow for debt servicing. The directors are relatively young and have no disclosed history of financial stewardship beyond company formation. Given the minimal financial strength and lack of operational scale, extending credit would carry high risk without significant external guarantees or substantial collateral.

2. Financial Strength:
   The balance sheet is extremely thin, showing net current assets and net assets of only £200, which is marginal and barely positive. Current liabilities (£200) are minimal but equivalent to net current assets, suggesting very limited liquidity buffer. There are no fixed assets reported, and shareholders’ funds mirror net assets, reflecting no accumulated profits or reserves. The financial trajectory from 2021 to 2024 shows stability at a very low asset level; no growth or profitability is evident. This indicates a very weak financial position with limited capacity to absorb shocks or support credit.

3. Cash Flow Assessment:
   No employees and no disclosed turnover or cash flow statements are available, implying minimal or no trading activity. The micro-entity balance sheet and notes do not indicate any operating cash flow or working capital cycle. The company is likely relying on capital injections from shareholders or directors for funding. This absence of operating cash flow and working capital means the company cannot internally generate liquidity to meet debt obligations, posing a significant credit risk.

4. Monitoring Points:

• Monitor filing of future accounts and confirmation statements for changes in financial strength or operational scale.
• Watch for any increase in current liabilities or deterioration of net assets indicating liquidity stress.
• Observe any changes in director appointments or PSC that may impact governance or financial control.
• Monitor for evidence of trading activity or cash flow generation in future periods.