BDMS GLOBAL GROUP LTD

Executive Summary

BDMS GLOBAL GROUP LTD is a nascent micro-entity with a minimal equity base and narrowly positive working capital, typical for a start-up with limited scale. While current financials show no immediate distress and filings are up to date, the company's weak financial buffer requires conditional credit approval with close liquidity monitoring. Continued oversight of cash flow and operational growth will be key to mitigating credit risk.

BDMS GLOBAL GROUP LTD - Analysis Report

Company Number: 14536152

Analysis Date: 2025-07-29 14:04 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   BDMS GLOBAL GROUP LTD is a recently incorporated micro-entity operating in business support services. The company shows a marginally positive net current asset position (£4,000) and a very modest net asset base (£3,200). The limited scale of operations and minimal equity cushion pose some risk. However, the absence of overdue filings and the presence of shareholders with direct control and management experience provide some reassurance. Approval is conditional on continued close monitoring of cash flow and liquidity due to the thin working capital margin and the company's infancy.

2. Financial Strength:
   The balance sheet reveals a micro-entity with total current assets of £287,000 slightly exceeding current liabilities of £283,000, resulting in net current assets of £4,000. Provisions of £800 reduce net assets to £3,200. The equity base is very small, indicating limited financial strength and minimal buffer against adverse events. Fixed assets are not disclosed, suggesting the company relies primarily on current assets. The financial profile is typical for a start-up micro-entity but reflects vulnerability to cash flow shocks or unexpected liabilities.

3. Cash Flow Assessment:
   Working capital is positive but narrowly so, indicating tight liquidity. With only one employee and no audit requirement, overheads may be low, but the close match between current assets and liabilities suggests limited flexibility. There is no explicit cash or cash equivalents figure, but given the size of current assets, the company likely holds some liquid resources. The company must maintain disciplined cash management to ensure timely payment of obligations and avoid liquidity strain.

4. Monitoring Points:

• Track changes in net current assets to detect any erosion of working capital.
• Monitor timely filing of accounts and confirmation statements to maintain compliance.
• Observe any changes in directors or shareholders that could impact control or financial stewardship.
• Review future financial statements for evidence of revenue growth and profitability trends to support debt service capacity.
• Watch for any increase in provisions or liabilities that could impair net asset position.