BR FINANCE CONSULTING LTD

Executive Summary

BR Finance Consulting Ltd is a newly formed entity with negative net assets and working capital, reflecting limited financial strength and liquidity. Without operational cash flow or additional capital support, the company presents high credit risk and is not currently suitable for credit extension. Ongoing monitoring of cash flow, profitability, and capital structure is recommended to reassess creditworthiness in the future.

BR FINANCE CONSULTING LTD - Analysis Report

Company Number: 15199561

Analysis Date: 2025-07-29 21:23 UTC

1. Credit Opinion: DECLINE
   BR Finance Consulting Ltd is a newly incorporated small private limited company with a negative net asset position (£-1,056) and negative working capital (£-1,056). The company shows minimal current assets (£829 cash) against current liabilities of £1,885, indicating insufficient liquidity to meet short-term obligations. There is no trading history beyond the first accounting period, and the sole director also holds full control, which concentrates risk. These factors create high credit risk, and without evidence of secured funding or operational cash inflows, the company is currently not creditworthy for lending or significant trade credit.

2. Financial Strength:
   The balance sheet reflects net liabilities and negative shareholders' funds, which is typical for a start-up with initial expenses exceeding capital injected (£1 share capital). The company holds no fixed assets and limited cash reserves. The lack of tangible or intangible assets and the presence of liabilities exceeding current assets suggest weak financial structure and limited buffer against adverse events.

3. Cash Flow Assessment:
   Cash at hand is minimal (£829), while current liabilities (£1,885) more than double this amount, resulting in negative working capital. This indicates potential short-term liquidity issues. The company’s ability to generate positive operating cash flow is unproven given its recent incorporation and single-employee status. Monitoring cash inflows and creditor payment terms will be essential going forward.

4. Monitoring Points:

• Improvement in net current assets and net asset position through retained earnings or capital injection
• Timely settlement of current liabilities to avoid creditor pressure
• Evidence of revenue generation and cash flow from operations
• Director’s plans for funding or business development to strengthen financial resilience
• Compliance with filing deadlines and transparency in future financial statements