BLUEPRINT ASSET MANAGEMENT LTD

Executive Summary

Blueprint Asset Management Ltd is a newly established micro-entity with a weak financial position characterized by significant current liabilities exceeding minimal current assets, resulting in negative shareholders' funds. The company currently lacks sufficient liquidity and working capital to service debt obligations, making credit approval unadvisable. Close monitoring of future financial statements and operational developments is recommended before reconsidering credit exposure.

BLUEPRINT ASSET MANAGEMENT LTD - Analysis Report

Company Number: 15238282

Analysis Date: 2025-07-29 12:27 UTC

1. Credit Opinion: DECLINE
   Blueprint Asset Management Ltd is a recently incorporated micro-entity (Oct 2023) with a single financial period reported ending Oct 2024. The company shows a weak financial position with net current liabilities of £436k and negative shareholders' funds of £16k. Current liabilities exceed current assets by a large margin, indicating poor short-term liquidity and an inability to cover immediate debts. The lack of employees and absence of audit further limit insight into operational viability. Given these factors, the company currently lacks the financial strength and cash flow stability to service debt or meet commercial obligations reliably.

2. Financial Strength:
   The balance sheet reveals £419k in fixed assets, but only £294 in current assets against £436k of current liabilities. This results in a net current liability position of £436k and an overall negative net asset position of £16k. The negative equity suggests accumulated losses or initial funding shortfalls. The fixed assets may represent property or leased real estate, but their illiquidity and the shortfall in working capital undermine financial resilience. Overall, the balance sheet is weak and signals financial distress risk.

3. Cash Flow Assessment:
   Current assets are minimal and primarily likely to be cash or equivalents, insufficient to meet the substantial current liabilities due within one year. Negative net current assets highlight a working capital deficit, indicating poor liquidity and cash flow constraints. Without evidence of incoming revenues or cash generation, the company’s ability to meet short-term obligations is doubtful. The absence of employees suggests limited operational activity, raising concerns about ongoing revenue streams to support cash flow.

4. Monitoring Points:

• Monitor future account filings for improvement in liquidity and net asset position.
• Review cash flow statements (when available) to assess operational cash generation.
• Track any changes in directors or PSCs that may influence company governance or financial strategy.
• Observe overdue filings or signs of financial distress such as administration or liquidation.
• Watch for increases in current assets or reduction in current liabilities signaling better working capital management.