WEST END MORTGAGES LIMITED

Executive Summary

West End Mortgages Limited shows stable financial footing with steady growth in equity and positive working capital, reflecting sound financial stewardship. The company appears capable of meeting credit obligations, supported by a conservative capital structure and consistent liquidity. Continued monitoring of liquidity and profitability trends is advised to maintain credit confidence.

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Company Analysis

This analysis is opinion only and should not be interpreted as financial advice.

WEST END MORTGAGES LIMITED - Analysis Report

Company Number: SC683243

Analysis Date: 2025-07-29 20:19 UTC

  1. Credit Opinion: APPROVE
    West End Mortgages Limited demonstrates solid financial stability for a micro-entity. The company has positive net current assets and shareholder funds that have grown steadily since incorporation in 2020, indicating prudent management and a growing capital base. There are no overdue filings or signs of financial distress. The business operates in a niche financial intermediation auxiliary sector, which can be resilient if managed well. Given the consistent positive net assets and low leverage, it appears capable of servicing modest credit facilities.

  2. Financial Strength:
    The balance sheet shows a strong position for a micro company. Fixed assets are minimal (£1,776) as expected for the sector, with current assets at £62,317 against current liabilities of £23,339, resulting in net current assets of £38,978. Shareholders’ funds have increased from £100 at inception (2020) to £40,754 in 2024, reflecting retained earnings and capital retention. The company’s capital structure is conservative, with no indication of long-term debt, reducing financial risk.

  3. Cash Flow Assessment:
    Current assets are largely liquid, likely comprising cash and receivables, supported by the increase in net current assets year-on-year. The company maintains a healthy working capital buffer (net current assets of nearly £39k), indicating good liquidity to meet short-term obligations. The absence of significant creditors falling due soon reduces liquidity risk. However, detailed cash flow statements are not provided, so ongoing cash generation should be monitored.

  4. Monitoring Points:

  • Maintain monitoring of net current assets and liquidity ratios to ensure working capital remains sufficient as the business grows.
  • Watch for any increase in current liabilities or delayed payments that could strain cash flow.
  • Track revenue and profitability trends as they become available to confirm sustainable earnings supporting equity growth.
  • Keep an eye on director conduct and governance, noting that the company is small with a single director and secretary managing operations.

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