Company Number: 14573532

Analysis Date: 2025-07-20 15:31 UTC

1. Credit Opinion: DECLINE
   Wilmslow Ventures Ltd shows significant financial weakness at its first year end. The company has negative net assets of £39,349 and a working capital deficit exceeding £30,000. Current liabilities vastly exceed current assets, indicating liquidity issues. No profitability or cash flow data is provided to suggest imminent improvement. Given these indicators and the company’s very recent incorporation (2023), the risk of default on credit facilities is high. Approval of credit facilities is not recommended without substantial additional security or guarantees.

2. Financial Strength:
   The balance sheet reveals a fragile financial position. Fixed assets are minimal (£393), and current liabilities are £39,818 against current assets of only £8,976. The company’s net liabilities of £39,349 reflect accumulated losses or finance raised through debt rather than equity. Shareholders’ funds are negative, indicating no cushion to absorb losses or financial shocks. The capital structure is heavily leveraged relative to the asset base, raising concerns about solvency.

3. Cash Flow Assessment:
   Working capital is significantly negative (£-30,842), suggesting an inability to meet short-term obligations from operating liquidity. Without positive cash flows or reserves, the company may struggle to pay suppliers or service debts on time. The absence of audit and profit/loss details limits assessment, but the negative net assets and current liquidity shortfall imply cash flow constraints.

4. Monitoring Points:

• Improvement or deterioration in net current assets and liquidity ratios.
• Evidence of profitability or cash inflows from operations in subsequent periods.
• Changes in capital structure, especially any equity injections to strengthen the balance sheet.
• Director’s and parent company (Rana Group Ltd) support via guarantees or intercompany funding.
• Timeliness and completeness of future filings to assess trend.