BEDFORD BRICKLAYING AND GENERAL BUILDING LTD

Executive Summary

Bedford Bricklaying and General Building Ltd exhibits stable short-term liquidity but shows signs of declining long-term asset strength and equity. The company is financially solvent but should address asset management and provisions to improve resilience. With prudent management, the firm can sustain operations and strengthen its financial health.

BEDFORD BRICKLAYING AND GENERAL BUILDING LTD - Analysis Report

Company Number: 13146768

Analysis Date: 2025-07-29 20:52 UTC

Financial Health Assessment Report

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1. Financial Health Score: C

Explanation:
The company shows a stable but somewhat diminished financial position compared to previous years. While net current assets remain positive and there is no sign of immediate distress, a reduction in fixed assets and net assets signals caution. The score "C" reflects a business that is financially viable but exhibits symptoms of mild distress, warranting careful monitoring and some corrective action.

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2. Key Vital Signs

Metric	2025 Value (£)	Interpretation
Fixed Assets	394	Sharp decrease from previous years (from £9,187 in 2022). Indicates possible asset disposal or write-down.
Current Assets	20,690	Healthy level of liquid and short-term assets, but a slight decline from previous years.
Current Liabilities	2,483	Low short-term obligations, good liquidity buffer (Net current assets £19,273).
Net Current Assets	19,273	Strong working capital position, indicating a "healthy cash flow" buffer for day-to-day operations.
Total Assets less Current Liabilities	19,667	Reflects overall asset coverage after short-term debts, slightly decreased from last year.
Provisions for Liabilities	8,335	Significant provisions remain consistent; needs monitoring to understand potential future outflows.
Accruals and Deferred Income	1,279	Normal level of accrued expenses and deferred income.
Net Assets (Shareholders’ Funds)	10,053	Positive equity indicates solvency, but a decline from £12,710 last year suggests some erosion of capital.
Average Number of Employees	0	No employees, suggesting reliance on subcontractors or directors only.

Interpretation of Vital Signs:

• The company maintains a healthy liquidity position with strong net current assets.
• Erosion of fixed assets and net equity may indicate asset sales or losses affecting long-term stability.
• Stable provisions for liabilities suggest ongoing obligations or contingent risks.
• Lack of employees points to a lean operation model, possibly reducing overhead but also limiting scale.

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3. Diagnosis

The company's financial condition is somewhat like a patient who is stable but has recently lost some muscle mass (fixed assets) and has slightly reduced reserves (net assets). The "symptoms"—such as declining fixed assets and net equity—suggest that the company has either sold off assets or absorbed losses, which could affect its long-term "strength." However, the "pulse" of the business, reflected in positive net current assets, shows good short-term liquidity and the ability to meet immediate obligations.

No signs of acute distress such as negative net assets, overdue filings, or excessive current liabilities are present. The company appears solvent and operational, but with a cautionary note on sustaining asset base and provisions.

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4. Recommendations

To improve financial wellness and strengthen the company's financial "vitality," the following actions are recommended:

• Asset Management: Investigate the cause of the sharp reduction in fixed assets. If assets were sold to improve liquidity, ensure this does not impair operational capabilities. Consider reinvesting in essential fixed assets to support future growth.
• Provisions Review: Regularly review provisions for liabilities to confirm they accurately reflect potential future obligations and explore ways to mitigate these risks.
• Equity Preservation: Address the decline in net assets by improving profitability or injecting capital if necessary to restore shareholder funds and financial robustness.
• Operational Efficiency: Although having zero employees reduces costs, assess whether this limits capacity and growth potential. Consider strategic hiring or subcontracting arrangements to balance flexibility and scalability.
• Cash Flow Monitoring: Maintain strong working capital management to ensure continued "healthy cash flow" and avoid liquidity crunches.
• Strategic Planning: Develop a medium-term business plan focusing on asset renewal, risk management, and growth to improve the company's financial prognosis.

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