STRATEGY AND DREAMS LTD

Executive Summary

Strategy And Dreams Ltd is a newly established micro private company with minimal financial activity and a nominal balance sheet. Its current financial position shows no operational cash flow or earnings capacity to support credit risk. Credit approval is not advisable until the company establishes trading performance and strengthens its financial base.

STRATEGY AND DREAMS LTD - Analysis Report

Company Number: 15196107

Analysis Date: 2025-07-20 19:17 UTC

Credit Opinion:
DECLINE. Strategy And Dreams Ltd is a very newly incorporated company (Oct 2023) with minimal financial activity and assets (£1 net asset value). Its financial data shows no revenues, no operating history, and virtually no working capital, indicating an absence of trading or business scale to support debt servicing. The sole director and controlling shareholder has not demonstrated financial strength or trading track record through the limited filed accounts. Given the lack of operational financial data and minimal balance sheet substance, the company is not creditworthy for any meaningful lending or credit facility at this stage.

Financial Strength:
The company’s balance sheet as at 31 October 2024 shows current assets of £1 (cash) and net current assets of £1. There are no fixed assets, no liabilities, and shareholders’ funds also total £1, representing the nominal share capital. There is no evidence of retained earnings or reserves since the company is newly formed and has not yet generated revenue or profit. The total exemption full accounts filed indicate the company qualifies as a micro entity but do not provide any operational financial strength. This balance sheet is insufficient for credit risk support.

Cash Flow Assessment:
With only £1 in cash and no operating revenues or assets, the company’s liquidity position is negligible. There is no working capital beyond the nominal cash balance, and no current liabilities have been recorded. The absence of trading activity or cash inflows means the company cannot generate cash internally to meet any debt or credit obligations. Without further capital injections or business development, the company’s cash flow profile is inadequate for servicing any credit facility.

Monitoring Points:

• Monitor trading activity and revenue generation once the company begins operations.
• Watch for increases in current assets, particularly trade receivables and cash balances.
• Review future filings for evidence of profitability or capital injections.
• Track any changes in director appointments or significant control that might affect governance or financial stewardship.
• Assess any credit or loan facilities sought in future to ensure adequate security or guarantees.