BEDIGITAL GROUP HOLDINGS LIMITED

Executive Summary

Bedigital Group Holdings Limited is a financially stable micro holding company with strong equity and minimal liabilities. While liquidity is adequate, the company’s lack of operational activity and reliance on investments necessitate cautious credit exposure. Continued monitoring of asset levels and cash flow sources is recommended to ensure ongoing financial health.

BEDIGITAL GROUP HOLDINGS LIMITED - Analysis Report

Company Number: 13261903

Analysis Date: 2025-07-20 16:58 UTC

1. Credit Opinion: APPROVE with caution. Bedigital Group Holdings Limited is a micro entity holding company with a strong equity base and no debt. The company has healthy net current assets and no reported liabilities beyond minimal current creditors. However, the absence of employees and operational revenues means the company’s ability to generate cash flow is reliant on its investments or group structure. Its financial stability is sound for credit within modest limits, but exposure should be limited given the lack of trading activity and reliance on shareholders.

2. Financial Strength: The balance sheet is robust for a micro holding company, with shareholders’ funds of £268K as of 31 March 2024. Fixed assets remained steady at £162K over the past three years, indicating no impairment or disposals. Current assets decreased substantially from £208K to £107K, while current liabilities decreased from £2.4K to £840, resulting in a net current asset position of £106K. The company maintains a strong equity position with total assets less current liabilities of £268K, reflecting financial stability and low leverage.

3. Cash Flow Assessment: Current liabilities are minimal relative to current assets, suggesting good short-term liquidity. The company holds a net current asset position of £106K, indicating sufficient working capital to meet near-term obligations. However, the company has no employees and likely limited operating cash inflows, implying cash flow depends on capital injections or returns from investments. Liquidity appears adequate but should be monitored to ensure ongoing solvency if operational activities or funding structures change.

4. Monitoring Points:

• Track changes in current assets and liabilities closely, especially given the reduction in current assets over the last year.
• Monitor any changes in investment holdings or capital structure that could affect asset values or liquidity.
• Review any planned operational activities or changes in business strategy that might impact cash flow or working capital needs.
• Keep watch on director and shareholder actions as they currently control the company with significant shareholding and voting rights.