BE YOUR OWN MEDIA LIMITED

Executive Summary

Be Your Own Media Limited has recovered from a prolonged negative net asset position to a modestly positive financial standing mainly due to director funding. While liquidity and working capital have improved significantly, the company remains dependent on related party support and has a limited operational track record. Credit approval may be granted on a conditional basis, subject to sustained cash flow improvement and continued director backing.

BE YOUR OWN MEDIA LIMITED - Analysis Report

Company Number: 12561374

Analysis Date: 2025-07-20 13:10 UTC

Credit Opinion: CONDITIONAL APPROVAL
Be Your Own Media Limited has demonstrated a significant turnaround in financial position in the latest fiscal year ending March 2025, moving from persistent losses and negative net assets to a positive net asset position of £23,836. However, the company is a micro entity with a limited operating history since incorporation in 2020 and has previously exhibited substantial liquidity strains and net liability positions. The current positive position appears largely driven by director advances and credits, which have reduced the director’s debt balance significantly, indicating reliance on related party support. Approval for credit facilities is possible but should be conditional on continued positive cash flow generation and maintenance of director support or injection of external financing.

Financial Strength:

• The company’s net assets shifted from a deficit of £27,891 in 2024 to a positive £23,836 in 2025.
• Fixed assets remain minimal at £2,055, consistent with a service-oriented publishing business.
• Current assets (£39,728) comfortably exceed current liabilities (£16,947), yielding strong positive working capital of £22,781.
• The turnaround is primarily due to director-related financing movements, as the director’s loan account balance has decreased from a negative £27,379 to negative £676, indicating repayment or capital injection.
• No shareholder equity beyond the nominal £1 share capital; the company depends heavily on director’s financial support.

Cash Flow Assessment:

• The company still employs only one person, suggesting low operating overheads.
• Positive net current assets and liquidity improvement suggest better short-term cash flow management.
• Past years showed significant working capital deficits, indicating prior cash flow difficulties.
• Reliance on director advances may mask underlying operational cash flow weaknesses; external funding or improved profitability is needed for sustainable liquidity.
• No audit was required, so financials are unaudited, which adds a degree of caution.

Monitoring Points:

• Track director loan account movements closely to ensure ongoing financial support or repayment.
• Monitor profitability trends and cash flow from operations to confirm sustainable improvement without reliance on related party funding.
• Review subsequent trading performance and updated accounts when available to assess consistency of financial health.
• Watch for any material changes in current liabilities or sudden increases in accruals/deferred income that could impact liquidity.
• Assess any changes in management or strategic direction that may affect business resilience.