BEVERLY TRAVELS LIMITED

Executive Summary

Beverly Travels Limited is a newly established, micro-sized travel agency with a modest but positive financial position. Given its limited history and small scale, credit approval is recommended with conditions focused on compliance and ongoing financial monitoring. The company currently demonstrates minimal financial resilience and requires close oversight of liquidity and statutory adherence.

BEVERLY TRAVELS LIMITED - Analysis Report

Company Number: 14464057

Analysis Date: 2025-07-20 16:36 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   Beverly Travels Limited is a recently incorporated micro-entity in the travel agency sector with minimal financial history. The company shows modest net assets of £2,606 and positive net current assets, indicating a basic buffer to meet short-term liabilities. However, the company’s small scale, limited financial track record, and current overdue confirmation statement filing require cautious credit consideration. Approval should be conditional on timely compliance with statutory filings and monitoring of trading performance as further financial data becomes available.

2. Financial Strength:
   The balance sheet reflects a very small capital base with fixed assets of £2,750 and current assets of £3,506 against current liabilities of £3,150, resulting in net current assets of £356. After a £500 provision for liabilities, net assets stand at £2,606, which is low but positive. The company has no long-term liabilities reported. The minimal asset base and provisions suggest limited financial resilience, typical for a micro start-up.

3. Cash Flow Assessment:
   Current assets slightly exceed current liabilities, indicating a positive but tight working capital position. The lack of detailed cash flow statements limits deeper liquidity analysis but the small positive net current assets and very small scale of operations suggest limited cash flow flexibility. Close monitoring of cash inflows and outflows will be necessary to ensure ongoing liquidity.

4. Monitoring Points:

• Timely filing of overdue confirmation statements and future accounts to ensure regulatory compliance and transparency.
• Revenue growth and profitability trends as the business matures beyond the first year.
• Changes in working capital position and ability to maintain positive liquidity.
• Any increase in provisions or liabilities that could erode the small equity base.
• Directors’ management of the business and adherence to governance best practices.