AMAYA CONSULTING LTD

Executive Summary

Amaya Consulting Ltd is a financially sound micro-entity in its first year with positive liquidity and net assets, reflecting a stable operational footing. While currently low complexity and scale limit risk, monitoring profitability and expanding governance will support sustainable growth. The company’s financial 'vital signs' indicate good immediate health but warrant ongoing vigilance as it develops.

AMAYA CONSULTING LTD - Analysis Report

Company Number: 14803477

Analysis Date: 2025-07-29 15:42 UTC

Financial Health Assessment: AMAYA CONSULTING LTD

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1. Financial Health Score: B

Explanation:
As a newly incorporated micro-entity with a healthy net current asset position and positive shareholders' funds, AMAYA CONSULTING LTD shows initial signs of financial stability and operational soundness. However, limited financial history and small scale place constraints on the grade. The absence of an audit and detailed profitability data means some risks remain unquantified, so a “B” grade reflects good early health with room for growth and monitoring.

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2. Key Vital Signs

Metric	Value	Interpretation
Company Age	1 year	Very early stage—limited financial history
Account Category	Micro	Simplified reporting; small scale business
Current Assets	£8,021	Cash and receivables available to meet short-term obligations
Current Liabilities	£3,570	Short-term debts and payables
Net Current Assets	£4,451	Positive working capital; "healthy cash flow cushion"
Net Assets / Equity	£4,451	Entirely shareholder-funded; no long-term liabilities reported
Number of Employees	2	Small operational size, manageable overhead
Director & PSC	Single individual controls 75-100% shares and voting rights	Clear ownership and control structure
Filing Status	Up to date	No overdue filings, indicating compliance and good governance

Interpretation:

• The net current assets indicate the company has more liquid assets than short-term liabilities, a fundamental sign of liquidity and operational health, akin to a patient with a strong pulse and stable vitals.
• The positive net assets suggest the company is solvent with no significant debt burden.
• Being a micro-entity implies limited financial complexity but also limited scale and resources.
• The single director/major shareholder structure simplifies decision-making but concentrates control risk.
• Timely filing shows good administrative health, reducing risks of penalties or regulatory stress.

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3. Diagnosis

Overall Financial Condition:
AMAYA CONSULTING LTD is a financially stable start-up micro-entity with solid liquidity and positive equity, indicating a "healthy" financial condition for its stage. The balance sheet resembles a patient in good initial health: it has a clean, uncomplicated structure with no signs of distress such as negative working capital or liabilities exceeding assets.

Strengths:

• Positive working capital signals the ability to cover short-term obligations without liquidity strain.
• No debt or long-term liabilities reported reduces financial risk and interest burden.
• Clear ownership structure enables decisive governance.

Symptoms to Monitor:

• Lack of profitability data (profit and loss not filed) means we cannot assess earnings quality or cash flow sustainability.
• Small asset base and limited operational scale mean vulnerability to market changes or unexpected expenses.
• Dependence on a single director/owner could be a point of governance risk if capacity or expertise is limited.

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4. Recommendations

1. Monitor Profitability and Cash Flow:
   Ensure detailed profit and loss accounts are prepared and reviewed internally to track operational performance beyond balance sheet strength. Healthy cash flow ("heartbeat") is essential as the business grows.

2. Build Financial Reserves:
   As the company matures, aim to increase retained earnings or cash reserves to buffer against business cycles or unexpected costs.

3. Consider Diversifying Governance:
   While a single director provides agility, exploring additional directors or advisors can improve oversight and strategic input, reducing governance risk.

4. Plan for Growth and Scaling:
   Develop a medium-term financial plan addressing investment in assets, hiring, or marketing to avoid stagnation and ensure sustainable growth.

5. Maintain Compliance Discipline:
   Continuing timely filings and adherence to statutory obligations will prevent regulatory complications and maintain a "clean bill of health."

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