ZACH GROUP LTD

Executive Summary

Zach Group Ltd is a dormant private limited company with minimal financial resources and no trading history, rendering it unsuitable for credit extension at this time. The company’s balance sheet and cash position are negligible, and it lacks operational cash flow or assets to support debt repayment. Continued monitoring is recommended should the company activate trading or improve its financial position.

ZACH GROUP LTD - Analysis Report

Company Number: 13193964

Analysis Date: 2025-07-20 12:05 UTC

1. Credit Opinion:
   DECLINE. Zach Group Ltd is currently a dormant company with minimal financial activity and no trading history. The balance sheet is limited to nominal share capital and a trivial cash balance, indicating no operating revenues or assets that could support debt repayment. Without evidence of trading performance, profitability, or cash generation, the company cannot demonstrate capacity to service any credit facility.

2. Financial Strength:
   The financial statements show net assets and shareholders’ funds of only £2, comprised solely of issued share capital and nominal cash balances (£1). There are no fixed or current assets beyond this. The company has not generated any earnings or built reserves, reflecting its dormant status. This represents a very weak financial position with no tangible resources or equity cushion.

3. Cash Flow Assessment:
   Cash at bank is £1, indicating effectively zero liquidity. There are no current liabilities reported, but this is due to dormancy rather than sound working capital management. The company’s cash flow from operations is nonexistent, and it lacks working capital to support any business operations or debt servicing.

4. Monitoring Points:

• Trading status: Monitor if and when the company transitions from dormant to active trading and begins generating revenue.
• Financial filings: Watch for future accounts and confirmation statements for signs of operational activity or financial improvement.
• Director activity: Note that the sole director’s background is unrelated to finance, which may impact risk profile.
• Capital injections or asset acquisitions: Any changes in share capital or asset base should be reviewed closely.