BE UTTERLY DIGITAL LTD

Executive Summary

Be Utterly Digital Ltd is a dormant micro-entity with no trading activity or financial resources as per its latest accounts. The company lacks the financial capacity and cash flow necessary to service debt or sustain credit facilities. Credit approval is not recommended until the company demonstrates operational activity and improved financial metrics.

BE UTTERLY DIGITAL LTD - Analysis Report

Company Number: 13055732

Analysis Date: 2025-07-20 13:11 UTC

1. Credit Opinion: DECLINE
   Be Utterly Digital Ltd is currently a dormant company with no trading activity reported in its latest accounts. The balance sheet shows zero assets, liabilities, and net worth at the most recent year-end. There is no financial evidence of revenue generation, profitability, or operational cash flow to support debt servicing. The company’s micro-entity status and dormant filing indicate it does not currently generate income or maintain working capital, making it unable to meet credit obligations. Without active trading history or cash flows, extending credit presents significant repayment risk.

2. Financial Strength:
   The financial statements reveal no fixed or current assets and no liabilities, resulting in net assets and shareholders’ funds of zero as of 31 December 2023. The share capital remains nominal at £100. The company’s dormant status means it has no tangible financial resources or reserves to draw upon. This absence of financial substance signifies very weak financial strength and a lack of cushion against any adverse events or economic downturns.

3. Cash Flow Assessment:
   There are no reported current assets (such as cash or receivables) or current liabilities, indicating no operational activity or working capital cycle. The company is not generating cash flow from operations, nor does it hold cash reserves. This means it cannot self-fund any short-term obligations or unexpected expenses. Liquidity is effectively non-existent.

4. Monitoring Points:

• Changes in trading status from dormant to active and subsequent filing of full accounts
• Development of revenue streams and profitability metrics
• Growth in current assets and working capital to support operations
• Any new director appointments or changes in ownership that may influence creditworthiness
• Timely submission of annual accounts and confirmation statements to maintain compliance and transparency