SURELAND ESTATES SUB LIMITED

Executive Summary

SURELAND ESTATES SUB LIMITED is a recently incorporated small private company with minimal financial activity and very limited net assets. The company’s balance sheet shows negative working capital and no operational earnings, undermining its ability to independently service credit. Credit approval is not recommended without significant improvement in financial performance or external guarantees.

SURELAND ESTATES SUB LIMITED - Analysis Report

Company Number: 13799609

Analysis Date: 2025-07-29 20:01 UTC

1. Credit Opinion: DECLINE
   SURELAND ESTATES SUB LIMITED exhibits extremely limited financial substance with net assets and shareholders funds of just £3 and current liabilities equal to its current assets, resulting in negative working capital of £1,000. The company has no employees, minimal fixed assets (a single freehold investment valued at £1,000), and has not filed profit and loss accounts, indicating no operating income or trading activity. The company is a wholly owned subsidiary controlled by a parent entity, which may provide some external support, but standalone creditworthiness is weak. Given the lack of meaningful financial scale, operating cash flow, and profitability data, the company does not demonstrate the capacity to service debt or absorb financial stress.

2. Financial Strength:
   The balance sheet is minimal and static, showing a fixed asset investment of £1,000 funded by shareholder capital of £3 and current liabilities of £1,000. Net current assets are negative, indicating working capital deficiency. No retained earnings or reserves exist beyond the nominal share capital. This lack of financial depth and liquidity on the balance sheet indicates weak solvency and limited capacity to finance operations or leverage credit facilities.

3. Cash Flow Assessment:
   Cash or cash equivalents are negligible (£3 reported previously). Negative net current assets suggest the company’s short-term liabilities exceed its liquid assets, raising liquidity concerns. The absence of employees and no reported profit and loss data means no cash generation evidence. The company likely relies entirely on parent company funding or capital injections to meet obligations, posing risk for independent debt servicing.

4. Monitoring Points:

• Monitor any future filings for profit and loss data to assess operational performance.
• Track changes in working capital position and whether current liabilities decrease or assets increase.
• Observe any new investments or capital contributions from the parent company.
• Watch for director changes or material events impacting control or financial strategy.
• Monitor for overdue filings or signs of financial distress such as late payments or creditor actions.