B.V.M. CONSULTING LTD

Executive Summary

B.V.M. CONSULTING LTD is a micro-entity with a very limited operating history and a weak financial position characterized by negative equity and net current liabilities. The absence of profit and cash flow data and minimal activity constrain its ability to service debt or sustain credit. It is recommended to decline credit at this stage but continue monitoring financial developments for improvement.

B.V.M. CONSULTING LTD - Analysis Report

Company Number: 14828451

Analysis Date: 2025-07-20 15:59 UTC

1. Credit Opinion: DECLINE
   B.V.M. CONSULTING LTD is a very young micro-entity incorporated less than a year ago, with minimal operating history and no employees. The latest financials show net current liabilities of £188 and negative shareholders’ funds of the same amount, indicating a weak balance sheet and potential funding shortfall. The absence of profit and loss details and negligible financial activity provide no evidence of revenue generation or cash flow to support debt servicing. Given the lack of trading history, minimal financial strength, and no indication of positive cash flows, the company does not demonstrate sufficient creditworthiness to support lending or credit facilities at this stage.

2. Financial Strength:
   The balance sheet as of 31 March 2024 shows current liabilities of £188 against no reported current assets, resulting in net current liabilities of £188 and negative equity of £188. This indicates the company is technically insolvent on a net asset basis, though the absolute amounts are small, reflecting its micro category. The company has no employees and no fixed assets reported. The control by a single corporate shareholder with 75-100% ownership may provide some support, but the financial position is fragile with no retained earnings or capital buffer.

3. Cash Flow Assessment:
   No detailed cash flow statements or profit and loss accounts are provided. The minimal current liabilities and negative equity suggest limited operational activity and working capital. The company likely relies on external funding or shareholder support to meet obligations. There is no indication of positive operating cash inflows or liquidity cushions. This lack of liquidity and absence of working capital reduces confidence in the company’s ability to meet short-term obligations without additional capital injections.

4. Monitoring Points:

• Monitor subsequent annual accounts for evidence of revenue, profitability, and positive net assets.
• Track cash flow statements and working capital trends once available.
• Observe any changes in director or shareholder structure that might impact financial backing.
• Watch for timely filing of accounts and confirmation statements as indicators of management diligence.
• Assess any new borrowing or credit arrangements that could affect leverage and liquidity.