SECURE FUTURE LTD

Executive Summary

SECURE FUTURE LTD is a newly incorporated dormant private company limited by guarantee with nominal financial activity and minimal net assets. Given its dormant status and lack of operational history, the company currently presents high credit risk with no evidence of cash flow or financial strength to support lending. Credit facilities are not recommended until the company demonstrates active trading and financial viability.

SECURE FUTURE LTD - Analysis Report

Company Number: 14846536

Analysis Date: 2025-07-29 20:33 UTC

1. Credit Opinion: DECLINE. SECURE FUTURE LTD is a dormant company limited by guarantee with no trading activity reported since incorporation in May 2023. The accounts show minimal net assets (£2) and cash (£2) consistently over three years, indicating no operational revenue or financial activity. The absence of financial history and trading performance provides no evidence of an ability to service debt or meet commercial obligations. The company’s dormant status and negligible financial substance pose significant credit risk.

2. Financial Strength: The balance sheet is extremely limited, reflecting only nominal cash and net assets of £2, with no fixed or current assets beyond this. Shareholders’ funds equal net assets, consistent with a dormant entity that has not commenced trading. There are no liabilities reported, but also no financial strength or capital to support operations or absorb losses. The company’s limited by guarantee status means there is no share capital to draw on.

3. Cash Flow Assessment: Cash resources are effectively zero beyond the nominal £2 recorded, with no reported income or expenses. Working capital is minimal and static, consistent with dormant status. There are no cash flows from operations, investing, or financing activities. Liquidity is insufficient to meet any credit facility or operational expenses beyond symbolic amounts.

4. Monitoring Points:

• Monitor any change from dormant to active trading status, which would require updated financial statements showing revenue generation and cash flow.
• Review directors’ reports and financial performance if/when trading starts to assess ability to service debt.
• Watch for any changes in company structure or guarantees that might impact credit risk.
• Confirm that statutory filings remain current to avoid compliance risks.