RAPTURE HOLDINGS & INVESTMENTS LTD

Executive Summary

Rapture Holdings & Investments Ltd demonstrates strong financial health with robust liquidity and steadily growing equity, reflecting sound operational management. While the company is financially stable and solvent, maintaining vigilant cash flow control and strategic growth planning will be essential to sustain this wellness in a competitive and variable market environment.

RAPTURE HOLDINGS & INVESTMENTS LTD - Analysis Report

Company Number: 12469302

Analysis Date: 2025-07-29 18:17 UTC

Financial Health Assessment: RAPTURE HOLDINGS & INVESTMENTS LTD

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1. Financial Health Score: B

Explanation:
The company exhibits solid improvement in its financial position over recent years, particularly reflected in strong growth in net current assets and shareholders’ funds. The liquidity and working capital are healthy, indicating a stable operational footing. However, as a micro-entity with relatively modest scale and limited diversification, the overall financial robustness is good but still vulnerable to external shocks or rapid changes in business conditions. Hence, a grade of B reflects a generally healthy but cautiously optimistic outlook.

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2. Key Vital Signs

Metric	2025 Value	Interpretation
Current Assets	£108,981	Strong cash and receivables position ensures liquidity.
Current Liabilities	£14,293	Low short-term debt reduces pressure to meet immediate obligations.
Net Current Assets (Working Capital)	£94,688	Healthy buffer to cover short-term liabilities; indicates good operational liquidity.
Shareholders’ Funds	£94,688	Solid equity base, reflecting accumulated retained earnings and capital injections.
Number of Employees	2	Small team, consistent with micro-entity status.
Share Capital	£1.00	Minimal nominal capital; business relies on reserves and operational cash flow.

• The company has grown shareholder equity from just £1 in 2020 to nearly £95k in 2025, signaling retained earnings or capital contributions.
• The working capital ratio (Current Assets / Current Liabilities) is approximately 7.6, which is excellent and indicates strong short-term solvency.
• No overdue filings and no signs of financial distress or liquidity crunch.

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3. Diagnosis

The financial "vital signs" suggest RAPTURE HOLDINGS & INVESTMENTS LTD is in a healthy state with good liquidity and a positive net asset position. The company has steadily increased its net current assets, indicating strong operational cash flow or capital input. This is akin to a patient who has recovered from a previous state of weakness to now showing robust vital signs.

Symptoms of financial wellness include:

• Positive and increasing net current assets (working capital) suggest efficient management of receivables, payables, and cash.
• Growing shareholders’ funds reflect retained profits or equity injections, building a strong financial foundation.
• No significant liabilities threatening solvency.
• Average employee count stable, implying controlled overheads.

Potential risk factors ("symptoms of caution"):

• Being a micro-entity, the company may have limited access to external financing or economies of scale.
• Share capital is nominal, so the company relies heavily on internal resources and operational cash flow.
• Industry sectors (management consultancy and real estate management) can be susceptible to market fluctuations and economic cycles.

Overall, the diagnosis is financially sound with low immediate risk, but with a need to maintain operational vigilance and cash flow management to ensure sustained health.

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4. Recommendations

To maintain and improve financial wellness, the company should consider the following:

• Maintain strong cash flow management: Continue monitoring receivables and payables closely to preserve the healthy working capital position.
• Build reserves: Aim to increase retained earnings to strengthen the equity base further, providing a buffer against future downturns.
• Diversify revenue streams: Given the company’s activities in consultancy and real estate management, exploring additional services or markets can reduce dependency on any single sector.
• Plan for growth carefully: As a micro-entity, scaling operations should be balanced against financial capacity to avoid overextension.
• Regular financial reviews: Schedule periodic financial health checks similar to this diagnostic to catch any "symptoms" of distress early.
• Consider formal audit or independent review: As the company grows, having audited accounts could enhance credibility with lenders and investors.

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