AGILE EQUITY LTD

Executive Summary

Agile Equity Ltd is a newly incorporated micro-entity showing positive net assets but minimal financial scale, typical of an early-stage start-up. The company currently demonstrates no signs of financial distress but remains fragile due to its limited asset base and equity. Focus on building working capital and scaling operations will be critical to strengthening its financial health in the near term.

AGILE EQUITY LTD - Analysis Report

Company Number: 15263294

Analysis Date: 2025-07-29 20:58 UTC

Financial Health Assessment of Agile Equity Ltd

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1. Financial Health Score: D+

Explanation:
The company is in its first financial year, with minimal operational history and very limited financial data. While technically solvent with positive net assets, the absolute scale of assets and equity (£62) is extremely low, reflecting a nascent stage with limited financial substance. This score reflects the very early stage of business development rather than distress or failure.

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2. Key Vital Signs

Metric	Value	Interpretation
Current Assets	£122	Very low; reflects minimal cash or receivables.
Current Liabilities	£60	Low short-term debt; manageable at this scale.
Net Current Assets	£62	Positive working capital; a healthy sign.
Total Assets Less Current Liabilities	£62	Narrow asset base; limited buffer for liabilities.
Net Assets / Shareholders' Funds	£62	Equity is positive but minimal; indicates start-up phase.
Number of Employees	2	Small micro company size.
Account Category	Micro	Minimal filing requirements; early stage.

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3. Diagnosis: Early-Stage Start-Up with Limited Financial Activity

The financial "vitals" of Agile Equity Ltd indicate a company in its infancy, having been incorporated in November 2023 and filing first accounts for less than one year of operation. The balance sheet shows a micro-entity profile with very modest assets and liabilities, and a positive but minimal net asset position.

• Healthy cash flow indicators are not available yet due to limited operational history, but the positive net current assets suggest no immediate liquidity distress.
• The "symptoms" suggest the company is currently maintaining a stable balance between assets and liabilities but has not yet built significant operational scale or financial reserves.
• The very low asset base and equity mean the company remains highly vulnerable to any unexpected expenses or downturns.
• Directors and shareholders are the same individuals controlling 25-50% each, implying concentrated ownership and control which can streamline decision-making but also concentrates risk.

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4. Recommendations for Financial Wellness Improvement

• Build Working Capital: Establish a stronger cash reserve to increase financial flexibility and buffer against unforeseen expenses.
• Operational Scale-Up: Focus on growing revenue streams to expand current assets beyond nominal levels. This will improve liquidity and net assets.
• Monitor Liabilities: Keep current liabilities low and manageable to maintain positive net current assets.
• Financial Planning: Implement regular cash flow forecasting and budgeting to anticipate funding needs.
• Seek Professional Advice: As the business grows, consider engaging accountants for tax planning and financial management to optimize resources.
• Prepare for Audit Thresholds: Monitor growth to ensure compliance as company scales beyond micro entity thresholds.
• Governance: Maintain transparency and clear documentation of shareholder control and director responsibilities as the company expands.

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