THE WHALE IMPORT AND EXPORT LTD

Executive Summary

The Whale Import and Export Ltd is a recently incorporated micro-entity with nominal net assets and no evidence of trading activity or cash flow. Its current financial position shows no capacity to service debt or sustain operations beyond minimal administrative existence. Credit approval is not recommended until meaningful financial performance and liquidity are demonstrated.

THE WHALE IMPORT AND EXPORT LTD - Analysis Report

Company Number: 13718406

Analysis Date: 2025-07-20 19:06 UTC

1. Credit Opinion: DECLINE
   The company shows extremely limited financial activity and no substantive financial data beyond nominal net assets of £1. The micro-entity accounts reveal no trading results, revenue, or meaningful assets, indicating either inactivity or minimal operations. Given the absence of financial substance and no evidence of cash flow or profitability, the company is not currently creditworthy to support any lending or credit facilities.

2. Financial Strength:
   The balance sheet is effectively a shell with net assets of £1, which is the nominal share capital. There are no reported current assets, fixed assets, or liabilities. This suggests no working capital, no capital investment, and no financial buffer to absorb losses or fund operations.

3. Cash Flow Assessment:
   No cash or working capital information is disclosed. The company’s micro-entity accounts provide no insight into liquidity or cash generation. The presence of a single employee (likely the director) and lack of trading data imply negligible operational cash flow. This absence of cash flow data highlights a very weak liquidity profile.

4. Monitoring Points:

• Monitor any future accounts filings for evidence of trading activity or improved financial metrics.
• Track any changes in capital structure or asset base that may indicate operational scaling.
• Observe the director’s actions and any PSC changes for potential shifts in control or strategy.
• Validate the business model and revenue sources if any new information arises, to reassess creditworthiness.