B C J DELIVERY LIMITED

Executive Summary

B C J DELIVERY LIMITED presents a mixed financial profile with improving net asset position but ongoing liquidity pressures evidenced by negative working capital. The company complies with filing requirements and shows operational scale with seven employees, but limited financial detail constrains full risk evaluation. Further financial and operational due diligence is advisable to ascertain the company’s short-term cash flow resilience and long-term business viability.

B C J DELIVERY LIMITED - Analysis Report

Company Number: 13030925

Analysis Date: 2025-07-20 12:34 UTC

1. Risk Rating: MEDIUM
   The company shows positive net asset growth but persistent negative net current assets indicate liquidity challenges. The firm is a micro entity with limited financial disclosures, which restricts comprehensive risk assessment.

2. Key Concerns:

• Negative Net Current Assets: The company’s current liabilities exceed current assets (£-3,738 in 2023), suggesting potential short-term liquidity issues.
• Modest Share Capital: Share capital remains minimal at £100, which may limit financial flexibility and raise concerns about capitalization adequacy.
• Limited Financial Transparency: Being a micro entity, the accounts are unaudited and condensed, limiting insight into revenue, profitability, cash flows, or contingent liabilities.

3. Positive Indicators:

• Increasing Net Assets: Net assets nearly doubled from £26,498 in 2022 to £51,607 in 2023, indicating growth in retained earnings or asset values.
• No Filing Delinquencies: Both accounts and confirmation statements are filed on time, reflecting regulatory compliance and governance discipline.
• Stable Ownership and Management: A single director and majority shareholder controls the company, which can support consistent strategic direction and accountability.

4. Due Diligence Notes:

• Request detailed management accounts or cash flow statements to assess operational cash generation and working capital management.
• Investigate the nature and maturity of creditors to determine if current liabilities are manageable or pose refinancing risk.
• Confirm if there are any contingent liabilities, off-balance sheet exposures, or related party transactions that may impact financial stability.
• Evaluate the sustainability of asset growth and the business model underlying the SIC code “Other service activities not elsewhere classified.”
• Clarify if the company has external financing arrangements or guarantees that are not disclosed in micro-entity filings.