THIRD AGE ADVISORY LTD

Executive Summary

THIRD AGE ADVISORY LTD is a newly formed micro-entity with minimal financial substance and no operating history. Its balance sheet and cash flow position do not support credit extension at this time. Credit approval is not recommended until the company demonstrates viable trading performance and financial stability.

THIRD AGE ADVISORY LTD - Analysis Report

Company Number: 15114117

Analysis Date: 2025-07-19 12:45 UTC

1. Credit Opinion: DECLINE. THIRD AGE ADVISORY LTD is a newly incorporated micro-entity with negligible financial activity and minimal assets (£1 current asset, no liabilities). The company has no operating history, no employees, no fixed assets, and no proven revenue or cash flow generation. Its ability to service debt or meet credit commitments cannot be demonstrated. Furthermore, the director is sole shareholder and controller, which concentrates risk. Without material financial data or trading history, extending credit would be highly speculative and carries elevated risk.

2. Financial Strength: The balance sheet shows a net asset value of only £1, consisting solely of current assets (cash or equivalents) with no liabilities. Fixed assets are zero. There are no provisions or accruals. The company has no retained earnings or reserves, reflecting that it has not yet commenced meaningful operations or generated profits. This extremely thin capital base offers no cushion against adverse events or working capital needs.

3. Cash Flow Assessment: With just £1 in current assets and no liabilities, the company’s liquidity position is effectively non-existent. There is no evidence of cash inflows from operating activities or working capital to fund ongoing expenses. The absence of employees and fixed assets suggests it is either dormant or in very early start-up phase. This lack of financial depth means it cannot meet short-term obligations or unexpected cash demands without external support.

4. Monitoring Points:

• Trading activity and revenue generation in subsequent periods.
• Development of working capital and cash reserves.
• Changes in capital structure or shareholder funding.
• Timely filing of future accounts and confirmation statements.
• Any changes in director or ownership structure.
• Introduction of liabilities or credit facilities and servicing ability.