BEEM SOLUTIONS LTD

Executive Summary

BEEM SOLUTIONS LTD demonstrates initial financial stability with positive net assets and liquidity but operates at a very modest scale and relies on director funding. Conditional credit approval is recommended, pending satisfactory cash flow forecasts and ongoing monitoring of the director’s loan account and trading performance. The company’s small size and limited trading history warrant cautious credit exposure.

BEEM SOLUTIONS LTD - Analysis Report

Company Number: 14685852

Analysis Date: 2025-07-29 14:55 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   BEEM SOLUTIONS LTD is an active private limited company with a very short trading history, incorporated in early 2023. The company currently shows positive net current assets and a small positive net asset position, indicating basic solvency. However, net assets are very low (£778 as of 2025 year-end), and there is a significant director’s loan account liability (£10,188), which suggests some reliance on related-party funding. Given the limited financial history, modest scale, and some dependence on director financing, credit approval should be conditional on obtaining further details of cash flow forecasts and confirmation of ongoing trading viability.

2. Financial Strength:
   The balance sheet shows a small but positive net asset position improving from £144 in 2024 to £778 in 2025, primarily driven by retained earnings growth. Current assets are largely cash, with no trade debtors in 2025 (3,290 in 2024), suggesting a change in working capital structure or client payment terms. Current liabilities have decreased to £5,961 from £10,702, improving liquidity. However, the director’s loan account is a material long-term liability, indicating external borrowing is minimal but dependent on director funding. The company operates with minimal fixed assets and a single employee, consistent with a consultancy business model.

3. Cash Flow Assessment:
   Cash at bank decreased from £21,952 in 2024 to £16,927 in 2025, but net current assets remain positive at £10,966, indicating sufficient short-term liquidity to cover current liabilities. The absence of trade debtors in 2025 may reflect quicker collections or fewer outstanding invoices, improving liquidity. The director’s loan creates a non-trade creditor, which may require repayment or rollover and impacts cash flow. As the company is small and service-based, working capital demands are low, but monitoring cash flow consistency and the director loan repayment schedule is essential.

4. Monitoring Points:

• Track future profitability and cash flow trends to confirm sustainable earnings and liquidity improvement.
• Monitor director’s loan account movements closely to ensure this funding does not mask underlying cash flow issues.
• Watch for any increase in trade creditors or overdue liabilities that may indicate payment difficulties.
• Review updated management accounts and cash flow forecasts regularly, given the early stage of the business.
• Confirm that the business continues to file timely accounts and confirmation statements to avoid regulatory risks.