Company Number: 14461097

Analysis Date: 2025-07-20 18:46 UTC

1. Credit Opinion: DECLINE
   ZEMIK LTD is a very recently incorporated micro-entity with minimal financial history and no operating employees. The latest accounts show a very small balance sheet with net assets of only £1,575 and a slight current liability position. There is no indication of trading activity or revenue generation, and net current liabilities indicate no working capital buffer. The owner/director is also the sole significant controller, which limits governance diversity. Given the lack of trading history, minimal assets, and absence of cash flow data, the company cannot currently demonstrate the ability to service debt or meet commercial obligations reliably.

2. Financial Strength:
   The company’s balance sheet is extremely limited in size, with fixed assets of just £1,955 and current liabilities of £380. Net current assets are negative at -£380, reflecting a working capital deficit. Shareholders’ funds equal net assets of £1,575, indicating no accumulated reserves or retained earnings. The micro-entity scale and absence of revenue or profit data limit financial strength. The company’s financial position suggests it is at an embryonic stage with no established capital base or liquidity cushion.

3. Cash Flow Assessment:
   No detailed cash flow or profit and loss information is provided, and the accounts reflect zero employees and no audit requirement. The negative net current assets indicate a working capital shortfall, which poses a liquidity risk. Without operating cash flow or external funding, the company’s ability to meet short-term liabilities or invest in growth is constrained. This lack of demonstrated liquidity undermines confidence in the company’s capacity to manage day-to-day financial obligations.

4. Monitoring Points:

• Future trading and revenue generation: Monitor subsequent accounts for evidence of trading activity and profitability.
• Working capital improvement: Watch for positive net current assets and cash reserves to support operations.
• Director and ownership changes: Note any shifts in management or control that might affect governance and credit risk.
• Timely filing of accounts and confirmation statements to ensure compliance and transparency.