ZYLANO GROUP LTD

Executive Summary

ZYLANO GROUP LTD is an early-stage micro-entity with a positive initial net asset position and no liabilities, demonstrating a clean financial start. While credit approval is reasonable for modest limits, the company’s lack of trading history and minimal liquidity necessitate cautious monitoring of future cash flow and financial development. Ongoing assessment will be key to managing credit risk as the business matures.

ZYLANO GROUP LTD - Analysis Report

Company Number: 15482733

Analysis Date: 2025-07-19 12:56 UTC

1. Credit Opinion: APPROVE with caution
   ZYLANO GROUP LTD is a newly incorporated micro-entity with limited financial history but currently shows a positive net asset position. The company is active and compliant with filing deadlines, and the sole director and 100% shareholder demonstrates clear control and accountability. However, as a start-up with no employees and minimal current assets, its operational scale and cash generation remain unproven. Credit approval is reasonable for modest facilities, but careful monitoring and possibly short-term or secured lending should be considered until trading history develops.

2. Financial Strength:
   The balance sheet as of 28 February 2025 shows total net assets of £5,474, consisting mainly of prepayments and accrued income (£5,324) and a small cash/current asset balance (£149). There are no fixed assets or significant liabilities reported. The company has a positive working capital position with net current assets of £5,473. The micro-entity size means financial disclosure is limited, but the absence of debt and positive equity reflects a clean, though very early-stage financial base.

3. Cash Flow Assessment:
   Current assets of £149 in cash and equivalents are minimal, indicating limited liquidity. The significant prepayments and accrued income of £5,324 may represent advance receipts or deferred costs, but no indication of receivables or inventory exists. With no employees and minimal operational scale, cash burn rate is likely low, but the company’s ability to generate cash inflow from operations is untested. Monitoring cash inflows and outflows as trading commences is critical to ensure ongoing liquidity.

4. Monitoring Points:

• Development of sales and revenue streams to establish sustainable cash flow
• Changes in working capital dynamics, especially cash balances and receivables
• Any increase in liabilities or borrowings that may impact solvency
• Timely filing of subsequent accounts and returns reflecting ongoing compliance
• Director’s management of growth and financial controls as business expands