BIZPAK LTD

Executive Summary

BIZPAK LTD presents a stable but modest financial profile suitable for limited credit exposure. The company maintains positive net assets and sufficient cash to cover current liabilities, supported by director funding. Conditional approval is recommended with ongoing monitoring of liquidity, director loans, and operational performance to mitigate risk.

BIZPAK LTD - Analysis Report

Company Number: 13259584

Analysis Date: 2025-07-20 13:42 UTC

1. Credit Opinion: CONDITIONAL APPROVAL
   BIZPAK LTD is a small, active private limited company operating in freight transport and vehicle maintenance. The company demonstrates consistent positive net current assets and shareholders’ funds, suggesting reasonable balance sheet strength. However, the relatively small scale of operations and modest net asset base limit its capacity for larger credit facilities. Approval is recommended with conditions: credit limits should reflect company size and cash flow, and periodic financial reviews are essential to monitor liquidity and debt servicing.

2. Financial Strength:
   The balance sheet shows steady but modest net assets around £4,950 as of March 2024, slightly up from the previous year. Current assets consist entirely of cash, with no reported fixed or other assets, indicating limited capital investment. Current liabilities are low, primarily comprising director’s loan account and corporation tax, which suggests manageable short-term obligations. The company maintains positive working capital, indicating solvency, but the absence of diversification in assets points to limited financial buffer.

3. Cash Flow Assessment:
   Cash levels are stable, around £11,700, sufficient to cover current liabilities of £6,750, resulting in a positive net working capital of approximately £5,000. The cash-to-liabilities ratio is healthy, indicating the company can meet short-term obligations without liquidity stress. However, cash flow appears to be the sole liquid asset, so any unexpected expenses or downturns could strain liquidity. The director’s loan account forms a significant part of liabilities, suggesting dependence on director funding, which should be monitored.

4. Monitoring Points:

• Watch for fluctuations in cash balances and current liabilities to ensure ongoing liquidity.
• Monitor director’s loan account for any changes that may impact financial stability.
• Track turnover and profitability trends once available to assess operational performance and debt servicing ability.
• Review any changes in industry conditions (freight transport and vehicle maintenance) that could affect revenue streams.
• Ensure timely filing of accounts and confirmation statements to avoid compliance risks.