BESPOKE BUSINESS MANAGEMENT LIMITED

Executive Summary

Bespoke Business Management Limited currently exhibits a fragile financial profile with negative net assets and persistent working capital deficits, undermining its capacity to service debt. The company’s liquidity position is strained, limiting its resilience to economic shocks or credit exposure. Credit facilities are not recommended until a clear turnaround in financial health is demonstrated.

BESPOKE BUSINESS MANAGEMENT LIMITED - Analysis Report

Company Number: 12826108

Analysis Date: 2025-07-20 11:33 UTC

1. Credit Opinion: DECLINE
   Bespoke Business Management Limited shows a deteriorating financial position with net liabilities reported in the latest accounts (net assets negative £361 as of 31 August 2024). The company has consistently reported negative net current assets in the last two years, indicating current liabilities exceed current assets, which signals liquidity stress. Despite being active and having timely filings, the weakening balance sheet and negative working capital raise concerns about the company’s ability to meet short-term obligations and service new credit.

2. Financial Strength:
   The company operates as a micro-entity with minimal share capital (£1.00) and fixed assets of about £15.6k. However, the key concern is the net current liabilities of £16,020 in 2024 compared to £15,687 in 2023, showing a worsening liquidity position. Total net assets have declined from £4,791 in 2021 to a deficit position in 2023 and 2024, evidencing erosion of equity and solvency risk. The balance sheet shows no retained earnings or reserves to buffer operational risks.

3. Cash Flow Assessment:
   Current assets are minimal (£507 in 2024), primarily consisting of cash or equivalents and receivables, but are overshadowed by high current liabilities (£16,527 in 2024). The negative net current assets suggest working capital deficiency, indicating potential cash flow constraints. With only one employee and limited operational scale, the company may struggle to generate sufficient operating cash flow to meet creditor demands or finance growth. No information on cash flow statements is available, but the balance sheet signals liquidity pressure.

4. Monitoring Points:

• Net current asset/liability trend: Watch if working capital improves or deteriorates further.
• Timeliness and completeness of future filings, especially cash flow statements if available.
• Significant changes in liabilities or asset base that could affect solvency.
• Any director changes or PSC updates that may signal governance or control issues.
• Ability to generate positive operating cash flow or secure additional capital injection.