BESPOKE PROPERTY TRADING AND MANAGEMENT SERVICES LIMITED

Executive Summary

Bespoke Property Trading and Management Services Limited exhibits significant financial distress as evidenced by a marked decline in liquidity and net assets in its latest financial year. While regulatory compliance appears intact and operational scale is small, the company’s ability to meet short-term obligations is compromised, warranting a high-risk assessment. Further examination of cash flow and operational viability is strongly recommended before considering investment.

BESPOKE PROPERTY TRADING AND MANAGEMENT SERVICES LIMITED - Analysis Report

Company Number: 12787062

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

1. Risk Rating: HIGH

Justification: The company’s latest financials to 31 August 2024 reveal a significant deterioration in liquidity and net assets compared to prior years. Net current liabilities of £2,186 and net assets of only £442 signal financial distress and an inability to comfortably meet short-term obligations, raising serious solvency concerns.

2. Key Concerns:

• Sharp decline in current assets from £19,579 in 2023 to £678 in 2024, coupled with current liabilities remaining substantial at £2,864, indicates severe liquidity strain.
• Net assets decreased drastically from £15,394 in 2023 to £442 in 2024; this erosion of equity undermines financial stability.
• The small share capital (£100) and limited fixed assets (£2,628) provide minimal buffer against operational or financial shocks.

3. Positive Indicators:

• The company remains active and compliant with filing deadlines for accounts and confirmation statements, demonstrating regulatory adherence.
• Directors have been consistent since incorporation with no flagged disqualifications or governance issues.
• The business operates within management consultancy (SIC 70229), which typically requires low capital investment and can be flexible in scaling operations.

4. Due Diligence Notes:

• Investigate causes behind the sharp drop in current assets and net assets in the 2024 financial year; specifically review cash flow statements and debtor collections.
• Assess the company’s ability to service current liabilities given the limited liquidity and working capital deficits.
• Review any contingent liabilities or off-balance sheet risks not disclosed in the accounts.
• Clarify the nature of contracts or client retention to understand operational sustainability.
• Evaluate any director loans or related party transactions that may affect financial position.