3D INSIGHT BIM LTD

Executive Summary

3D INSIGHT BIM LTD demonstrates a financially healthy position with strong liquidity and growing equity, typical of a well-managed micro-entity. While the company’s balance sheet shows solid working capital and capital growth, the lack of profit and loss transparency limits full assessment of profitability. Continued focus on transparency, working capital management, and strategic growth planning will support sustained financial wellness.

3D INSIGHT BIM LTD - Analysis Report

Company Number: 12457190

Analysis Date: 2025-07-29 19:28 UTC

Financial Health Assessment for 3D INSIGHT BIM LTD

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1. Financial Health Score: B

Explanation:
3D INSIGHT BIM LTD demonstrates solid financial footing with strong net current assets and growing shareholders’ funds, indicating healthy liquidity and capital base. The company maintains positive working capital and has expanded equity significantly over recent years. However, as a micro-entity with minimal fixed assets and a very small employee base, there are limitations to scale and operational breadth. The absence of a profit and loss account reduces transparency on profitability trends, which tempers the overall grade.

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2. Key Vital Signs

Metric	2024 Figure	Interpretation
Fixed Assets	£930	Very low; typical for a micro-entity with limited long-term investments or equipment.
Current Assets	£272,331	Healthy and growing; represents cash, debtors, and other short-term assets.
Current Liabilities	£60,561	Well-controlled current liabilities; reduced from prior year, improving liquidity.
Net Current Assets	£211,770	Strong positive working capital indicating good short-term financial health.
Shareholders’ Funds (Equity)	£212,700	Nearly doubled from £119,511 in 2023, showing strong retention of earnings or capital injection.
Number of Employees	1	Very small scale operation; low overhead but limited operational capacity.
Account Category	Micro	Benefits from simplified filing; reflects small size and scale of business.

Interpretation:

• The company’s net current assets (working capital) are robust, indicating it has sufficient short-term resources to meet obligations without strain — like a patient with a strong pulse and blood pressure in good range.
• The increase in shareholders' funds suggests capital growth, either through retained profits or new investment, akin to a patient gaining strength over time.
• Low fixed assets and only one employee point to a lean structure, which can be both a strength (low costs) and a limitation (capacity constraints).
• The reduction in current liabilities from £93,474 to £60,561 is a positive symptom indicating improved creditor management or reduced short-term debt.
• Absence of profit and loss data limits insight into profitability, which is a gap in the diagnostic picture.

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3. Diagnosis

3D INSIGHT BIM LTD exhibits healthy liquidity and capital structure, reflecting a business that is managing its short-term finances effectively and building equity steadily. The company’s current assets comfortably cover its current liabilities, suggesting no immediate cash flow distress — a vital sign of financial wellness.

However, the company’s very small scale (micro-entity status and one employee) means it may be vulnerable to operational risks such as dependency on key personnel or limited capacity to scale quickly. The low fixed asset base and lack of detailed profitability reporting mean the assessment is primarily based on balance sheet strength rather than income statement performance, which is a diagnostic limitation.

Overall, the financial "symptoms" present are those of a stable but small business with good liquidity and capital growth, but with limited operational breadth and incomplete profitability transparency.

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4. Recommendations

• Enhance Profitability Transparency: Consider providing profit and loss accounts in future filings to give a clearer view of operational health and earnings trends. This will improve diagnostic capability and stakeholder confidence.
• Monitor and Manage Working Capital: Maintain vigilance over current liabilities to preserve strong liquidity. Timely collections of debtors and prudent creditor management are key to sustaining healthy cash flow.
• Plan for Growth and Capacity: Explore opportunities to invest in fixed assets or increase staffing prudently to support business expansion, mitigating risks of operational bottlenecks.
• Maintain Strong Governance: Continue robust director oversight and compliance with filing deadlines, as timely filings and transparent reporting are vital signs of good corporate health.
• Consider Risk Mitigation Strategies: Given the small scale, implement contingency plans to address potential disruptions, such as key person dependency or market fluctuations.

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