BAMBURY & CO LIMITED

Executive Summary

Bambury & Co Limited is a newly formed micro-entity with minimal financial substance and no demonstrated trading history. Its balance sheet shows nominal net assets, and there is no evidence of cash flow or operating scale sufficient to support credit risk. Based on current information, credit facilities are not recommended at this stage.

BAMBURY & CO LIMITED - Analysis Report

Company Number: 15079449

Analysis Date: 2025-07-19 13:03 UTC

1. Credit Opinion: DECLINE
   Bambury & Co Limited is a newly incorporated micro-entity (established August 2023) with a minimal asset base (£50 net assets) and no material trading history or profitability data. The company’s balance sheet shows negligible current assets and no indication of income or cash flow generation. Given its infancy, lack of financial substance, and absence of any operational scale beyond a single employee, the company does not currently demonstrate capacity to service debt or meet commercial credit obligations reliably. Without evidence of sustainable revenue or stronger financial footing, extending credit would carry high risk.

2. Financial Strength:
   The company’s financial strength is extremely weak. With total net assets of only £50 and current assets equal to £50, Bambury & Co Limited operates at a micro scale with effectively no working capital buffer. There are no fixed assets or retained earnings reported. The balance sheet reflects a bare minimum structure typical of a start-up yet to establish a trading record or build equity. This lack of financial depth means the company is vulnerable to any unexpected expenses or cash flow disruptions.

3. Cash Flow Assessment:
   No cash flow or profit and loss data is provided, and the company's reported current assets of £50 suggest negligible liquidity. The single employee and absence of creditors or liabilities indicate very limited operational activity. The company’s ability to generate positive cash flow to cover operational costs or debt service is unproven and currently appears insufficient.

4. Monitoring Points:

• Monitor future filings for any material increase in turnover, profitability, and net assets.
• Watch liquidity indicators such as cash balances and net current assets to assess working capital adequacy.
• Track director and shareholder activity for any capital injections or financial support.
• Review timely filing compliance and any changes in business scale or credit profile.