STEPHEN LORD LIMITED

Executive Summary

Stephen Lord Limited’s financial profile shows a critical erosion in net assets and working capital, reflecting limited financial strength and liquidity. The company’s micro scale and minimal operational footprint further constrain its ability to service debt reliably. Given these factors, credit approval is not recommended without substantial financial improvement or additional security.

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Company Analysis

This analysis is opinion only and should not be interpreted as financial advice.

STEPHEN LORD LIMITED - Analysis Report

Company Number: 13477866

Analysis Date: 2025-07-29 15:04 UTC

  1. Credit Opinion: DECLINE
    Stephen Lord Limited shows severely weakened financial metrics in its latest financial year. The drastic reduction in net current assets from £2,113 in 2023 to just £79 in 2024, coupled with a plunge in net assets from £2,613 to £329, indicates significant erosion of the company’s equity base and working capital buffer. The micro-entity status with minimal fixed assets and zero reported employees further suggests a very thin operational scale. Without evidence of robust cash flows or asset backing, the company currently lacks the financial resilience and capacity to reliably service debt or meet commercial commitments.

  2. Financial Strength:
    The balance sheet reveals a micro-sized company with minimal fixed assets (£250) and current assets (£26,402) nearly matched by current liabilities (£26,323). The net asset value stands at a precarious £329, down sharply from £2,613 the previous year, indicating depletion of equity and a weakened capital position. The absence of any long-term liabilities or off-balance sheet items limits complexity, but the minimal equity cushion raises concerns about solvency risk if unexpected expenses or revenue shortfalls occur.

  3. Cash Flow Assessment:
    Working capital is virtually nil with net current assets of £79, implying very limited liquidity to absorb operational fluctuations. The static current assets figure year-over-year with rising current liabilities suggests cash flow pressures or possible reliance on short-term creditor financing. The lack of employees and fixed assets points to potentially minimal operational cash needs, but also limited ability to generate cash internally. No explicit cash or bank balances were disclosed, so cash liquidity cannot be confidently assessed.

  4. Monitoring Points:

  • Net current assets and net assets trends for further erosion or recovery
  • Timeliness and completeness of future accounts and confirmation statement filings
  • Any director changes or PSC alterations that might affect control or governance
  • Operational activity indicators, including revenue and profit figures when available
  • External market or sector changes impacting the IT consultancy industry (SIC 62020)

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