SELF DEVELOPMENTS LIMITED

Executive Summary

Self Developments Limited is a micro-entity with minimal financial resources, effectively showing no net assets or cash flow to support credit. Its balance sheet and operational data indicate high credit risk and an inability to service debt. Credit facilities are not recommended unless significant changes in financial position occur.

SELF DEVELOPMENTS LIMITED - Analysis Report

Company Number: 13020018

Analysis Date: 2025-07-20 14:29 UTC

1. Credit Opinion: DECLINE
   Self Developments Limited shows extremely limited financial activity and resources. The company’s net current assets and shareholders’ funds stand at a nominal £4, indicating no substantive capital base or financial cushion. There is no evidence of revenue generation or profitability, with average employees reported as nil and no audit requirement suggesting minimal operational substance. Given the micro-entity scale, lack of cash reserves, and no visible cash flows or earnings, the company lacks the capacity to service debt or credit facilities reliably. The credit risk is high due to an absence of financial strength and operational scale.

2. Financial Strength:
   The balance sheet reveals current assets of £103,056 balanced almost entirely by current liabilities of £103,052, leaving a negligible net working capital of £4. Total net assets and shareholders’ funds are essentially zero at £4. The company maintains minimal share capital (£4). There are no fixed assets or retained earnings reported, and no indication of positive cash flow or profitability. This financial position suggests a structurally weak balance sheet with no equity buffer to absorb losses or support borrowing.

3. Cash Flow Assessment:
   The accounts do not disclose detailed cash flow statements, but the static cash balance of £4 over multiple years and the lack of employees or operational turnover strongly imply negligible liquidity or working capital generation. Current liabilities almost fully offset current assets, indicating no surplus liquidity. Such tight working capital and lack of cash reserves raise concerns about the company’s ability to meet short-term obligations or unexpected expenses.

4. Monitoring Points:

• Watch for any increase in net assets or working capital that may indicate operational scaling or capital injection.
• Monitor filing of future accounts to detect changes in revenue, cash flows, or equity structure.
• Review director changes or any new PSC filings that might signal restructuring or investment.
• Track any overdue filings or regulatory issues that could indicate management or operational distress.