UNIVERSAL CARE ORGANISATION LIMITED

Executive Summary

Universal Care Organisation Limited has demonstrated persistent negative equity and working capital deficits with no operational scale or cash flow evidence. Given this, the company currently lacks the financial strength and liquidity to support credit facilities. Continued monitoring is recommended to identify any material improvements that may warrant credit reconsideration.

UNIVERSAL CARE ORGANISATION LIMITED - Analysis Report

Company Number: 14007211

Analysis Date: 2025-07-29 20:42 UTC

1. Credit Opinion: DECLINE
   Universal Care Organisation Limited shows persistent net liabilities of £738 with no improvement over three years, indicating a lack of profitability and negative equity. The company has no employees and minimal financial activity, implying limited operating scale and revenue generation. The current liabilities exceed current assets, resulting in negative working capital. This financial profile suggests an inability to service debt or meet commercial obligations reliably. Additionally, the company is very young (incorporated in 2022) and lacks financial track record or positive cash flows. Credit extension is not advisable without substantial changes in financial health or external guarantees.

2. Financial Strength:
   The balance sheet reveals net current liabilities of £688 and net liabilities overall of £738 for the last three years, with no fixed or current assets reported. Shareholders’ funds are negative and unchanged, reflecting accumulated losses or initial funds insufficient to cover liabilities. The micro-entity status denotes very limited scale, and the absence of employees highlights minimal operational activity. There is no sign of asset accumulation or capital injection to strengthen the financial base.

3. Cash Flow Assessment:
   The accounts do not include a profit and loss statement, but negative net current assets imply ongoing cash shortfalls or reliance on external funding. The company holds no working capital buffer and may struggle with liquidity to meet short-term obligations. The lack of employees and operational capacity suggests minimal cash inflows. Without positive cash flow or liquid assets, the company’s ability to service credit facilities or sustain operations is questionable.

4. Monitoring Points:

• Watch for updated accounts showing improvement in net assets or positive working capital.
• Monitor any capital injections or changes in ownership/control that may strengthen financial position.
• Review trading activity evidence and operational scale growth, including employee additions.
• Track timely filing of accounts and confirmation statements to ensure compliance and transparency.