S.WINT LTD

Executive Summary

S.WINT LTD is a recently formed dormant company with negligible financial activity and minimal net assets of £1. It currently lacks any financial strength or operational cash flow to support credit facilities. Given the absence of trading history and financial substance, credit approval is not recommended at this stage.

S.WINT LTD - Analysis Report

Company Number: 13944154

Analysis Date: 2025-07-29 16:28 UTC

1. Credit Opinion: DECLINE
   S.WINT LTD is a very recently incorporated private limited company filing dormant accounts with negligible financial activity. The company shows almost no assets or liabilities beyond a nominal £1 in current assets and net assets. There is no trading history, revenue generation, or operational scale, and no employees. The dormant status and minimal balance sheet size indicate the company is not currently generating cash flow or profits to service any debt obligations. Without meaningful financial data or operational history, the company presents a high risk from a credit perspective.

2. Financial Strength:
   The balance sheet is minimal with current assets of £1 and net assets of £1 for the latest two financial years. The company holds no fixed assets and has no net current liabilities or debts. Shareholder funds equate exactly to the called-up share capital of £1, reflecting the dormant nature. This extremely limited financial base means the company has no tangible financial strength or buffer to absorb shocks or fund growth.

3. Cash Flow Assessment:
   Cash flow and working capital cannot be meaningfully assessed as there are no trading activities or operational cash flows reported. The current asset of £1 (debtors) is immaterial. The company’s dormant status confirms it is not generating operational cash inflows, and there is no evidence of liquidity or working capital to support creditor obligations.

4. Monitoring Points:

• Monitor for transition from dormant to active trading status with substantive financials.
• Track any filing of audited accounts or trading results that may demonstrate revenue and cash flow generation.
• Review any changes in director or ownership that might indicate business restructuring or new capital injection.
• Watch for timely filing of accounts and confirmation statements to maintain compliance.