THE STUDY GATEWAY LTD

Executive Summary

The Study Gateway Ltd is a newly incorporated dormant company with minimal financial activity and negligible net assets. Due to lack of trading history, operating cash flow, and financial substance, credit risk is very high, and credit facilities should be declined at this stage. Monitoring future financial filings for evidence of trading and cash flow generation is essential before reconsidering credit exposure.

THE STUDY GATEWAY LTD - Analysis Report

Company Number: 15237668

Analysis Date: 2025-07-29 12:40 UTC

1. Credit Opinion: DECLINE
   The company is very recently incorporated (Oct 2023) and has filed dormant accounts for the year ending Oct 2024 with negligible financial activity (£12 net assets). There is no trading history or revenue generation to evidence ability to service debt or commercial obligations. The very minimal asset base and absence of operating results indicate no established cash flow or financial performance, making credit extension high risk at this stage.

2. Financial Strength:
   The balance sheet shows £12 in current assets and net assets, with no liabilities reported. This indicates a purely nominal capital injection, typical of a newly formed dormant company. There is no fixed asset base or working capital beyond this minimal amount. The absence of liabilities is positive but reflects lack of business activity rather than financial strength.

3. Cash Flow Assessment:
   No operational cash flow is evident. The company is classified as dormant, so no trading or revenue cash inflows have been generated. Working capital is negligible at £12, insufficient to cover any meaningful expenses or obligations. Liquidity is effectively non-existent for practical business purposes.

4. Monitoring Points:

• Future filings: Watch for trading accounts and confirmation of revenue generation in subsequent years.
• Cash flow statements and profit & loss accounts to assess operational viability.
• Director changes or significant shifts in business activity that may impact credit risk.
• Timely submission of accounts and confirmation statements to ensure compliance and transparency.