WESTOM PROPERTIES LTD

Executive Summary

Westom Properties Ltd exhibits a strengthening financial position with growing net assets and positive liquidity. The company’s balance sheet and cash flow indicators suggest it is capable of meeting credit obligations. Continued monitoring of profitability and liabilities is advised given the company’s young age and sector risks.

WESTOM PROPERTIES LTD - Analysis Report

Company Number: 13837126

Analysis Date: 2025-07-29 12:42 UTC

1. Credit Opinion: APPROVE
   Westom Properties Ltd demonstrates a solid financial foundation for a company incorporated only in 2022. The positive net current assets and net assets have more than doubled from £30,280 to £68,822 within a year, indicating growth and prudent financial management. There are no indications of distress, overdue filings, or director issues. The company operates in real estate management, a sector with steady cash flow potential. Given its liquidity position and absence of liabilities exceeding current assets, the company appears capable of servicing credit facilities.

2. Financial Strength:
   The balance sheet shows net assets of £68,822 as of January 2024, up from £30,280 the prior year. The company holds cash balances of £43,688, which cover current liabilities of £25,134 comfortably, resulting in positive working capital of £68,822. The increase in net assets and working capital reflects retained earnings and suggests profitability or additional capital injection. The creditor profile shows no significant trade creditors, with most current liabilities related to taxes and social security, which appear manageable.

3. Cash Flow Assessment:
   Cash on hand increased from £37,495 to £43,688, indicating positive operational cash flow or capital contributions. The company’s current liabilities remain low, and net current assets are healthy for its size. With only one employee reported, overheads are likely minimal. This liquidity profile suggests the company can meet short-term obligations without strain, supporting credit repayment capacity.

4. Monitoring Points:

• Track profitability once full profit and loss data become available, as only balance sheet snapshots are currently filed.
• Monitor changes in current liabilities, especially any increase in trade creditors or other short-term debt that could impact liquidity.
• Observe the company’s ability to grow assets and equity sustainably to mitigate concentration risk due to a single controlling director and shareholder.
• Watch sector-specific risks in the real estate market that could affect cash flows or asset valuations.