STABLEFORTH LTD

Executive Summary

STABLEFORTH LTD is a newly incorporated micro-entity with minimal financial activity and a very modest balance sheet position. The company demonstrates low financial risk due to the absence of liabilities but has very limited asset backing or liquidity. Approval is recommended only for small credit facilities with ongoing monitoring of financial developments and cash flows.

STABLEFORTH LTD - Analysis Report

Company Number: 14109652

Analysis Date: 2025-07-20 11:26 UTC

1. Credit Opinion: APPROVE with caution. STABLEFORTH LTD is a very small, newly established entity classified as micro, with minimal financial activity and limited assets. While it currently shows a positive net asset position of £285 and no liabilities, the company’s financial footprint is extremely modest. The single director, who also holds full ownership and control, suggests centralized management but limited operational scale. The lack of significant assets or liabilities and minimal recorded transactions imply low credit risk exposure but also limited capacity to service larger credit facilities. Recommend approval for small, short-term credit facilities with monitoring.

2. Financial Strength: The company’s balance sheet shows very low net assets (£285) comprised solely of prepayments and accrued income, with no fixed or current assets recorded. There are no creditors or liabilities, resulting in a clean but minimal financial position. Shareholder equity matches net assets, reflecting no accumulated losses or debts. The micro-entity status and minimal financial scale limit the company’s financial resilience. The absence of tangible or current assets reduces collateral value for secured lending.

3. Cash Flow Assessment: No cash or equivalent current assets are reported; the only current asset recorded is prepayments/accrued income (£285), which does not represent liquid working capital. No current liabilities exist, so short-term liquidity risk appears low, but operating cash flow capacity is minimal. The company has a single employee (likely the director) and presumably modest operating expenses. Without cash reserves or a track record of revenue, liquidity depends on ongoing capital injections or external funding. Careful scrutiny of cash flow forecasts is advised before extending credit.

4. Monitoring Points:

• Track next filed accounts to confirm growth or accumulation of assets and income.
• Monitor payment behavior on any credit facility granted, given the limited financial history.
• Observe any changes in director or ownership structure that may impact governance.
• Watch for any increase in current liabilities or unexpected debt levels.
• Review updates to prepayments/accrued income to assess revenue recognition and cash inflows.