BLOOM COLLECTIVE LTD

Executive Summary

Bloom Collective Ltd is a very small, early-stage company with minimal financial resources and declining net assets, indicating weak financial strength and liquidity. Its limited scale and cash position make it unable to support credit facilities at this time. Careful monitoring of future financial performance and cash flow is essential before reconsidering credit exposure.

BLOOM COLLECTIVE LTD - Analysis Report

Company Number: 14334651

Analysis Date: 2025-07-20 15:40 UTC

1. Credit Opinion: DECLINE
   Bloom Collective Ltd shows limited financial substance and operational scale, with net assets declining from £179 in 2023 to £57 in 2024 and negligible current assets (£57). The company’s micro-entity status and minimal working capital indicate a very limited operational base and cash resources, raising significant doubts about its capacity to service any credit facilities or meet financial obligations on time. No evidence suggests material revenue generation or profitability, and the company operates with a single employee (the director), limiting resilience. Given the lack of fixed assets or liquidity and the early stage of company life (incorporated 2022), credit exposure would be high risk without strong external guarantees or collateral.

2. Financial Strength:
   The balance sheet reflects extremely low total assets and net assets (£57 as of September 2024), down from £179 the prior year. No fixed assets are held. Current assets are minimal and declining, indicating limited cash or receivables. There are no current liabilities recorded, so the net current assets equal current assets, but the absolute values are negligible. Shareholder funds track net assets and show a steady decline. Overall, the financial strength is very weak, with no tangible buffer to absorb shocks or support growth.

3. Cash Flow Assessment:
   With current assets at only £57 and no liabilities, working capital is positive but practically insignificant. This signals almost no cash or near-cash resources available for operating expenses or debt servicing. The absence of detailed cash flow data and the micro-entity filing format limits visibility, but the trend of declining current assets suggests cash flow constraints. The company’s ability to generate operating cash flow or sustain liquidity is questionable.

4. Monitoring Points:

• Monitor subsequent filings for evidence of increased asset base or cash reserves.
• Track turnover and profit figures once available to assess revenue generation capability.
• Watch for changes in director or shareholder structure for potential capital injections or strategic shifts.
• Review payment performance if any credit is extended (e.g., trade references).
• Monitor account filing timeliness and any changes in company status or credit ratings.