AMG BUILDING EXPERTS LTD

Executive Summary

AMG BUILDING EXPERTS LTD exhibits a sound financial foundation with positive net assets and strong liquidity metrics typical of a stable micro-entity in its first year. While early-stage, the company shows no signs of financial distress and is positioned for sustainable growth with prudent financial management. Continued focus on liquidity, asset investment, and revenue growth will enhance long-term financial wellness.

AMG BUILDING EXPERTS LTD - Analysis Report

Company Number: 15551513

Analysis Date: 2025-07-29 12:48 UTC

Financial Health Assessment: AMG BUILDING EXPERTS LTD (as at 31 March 2025)

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1. Financial Health Score: B

Explanation:
AMG BUILDING EXPERTS LTD is a newly incorporated micro-entity with a solid start reflected in a positive net asset position and healthy working capital. The company has demonstrated prudent financial management with minimal liabilities and positive equity. However, given its infancy (just over one year old) and limited financial data history, there remains some uncertainty about its long-term financial resilience and growth potential, warranting a solid but cautious grade of B.

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2. Key Vital Signs:

Metric	Value (£)	Interpretation
Fixed Assets	7,136	Indicates investment in long-term resources, appropriate for a small construction business.
Current Assets	2,823	Cash, receivables, and short-term assets providing liquidity to meet immediate obligations.
Current Liabilities	(43)	Very low short-term debts, suggesting good management of payables and no immediate liquidity stress.
Net Current Assets (Working Capital)	2,780	Positive and healthy; company can cover short-term debts comfortably — a sign of good liquidity.
Creditors After One Year	(2,594)	Moderate long-term liabilities, manageable relative to total assets.
Total Net Assets (Equity)	7,322	Positive shareholder funds indicate the company’s net worth is above liabilities, signaling solvency.
Average Number of Employees	2	Small, focused workforce consistent with micro-entity classification and early-stage business.

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3. Diagnosis:

Healthy Cash Flow & Solvency:
The company shows "healthy cash flow" indicators with positive net current assets and minimal current liabilities. This is akin to a patient with stable vital signs and no immediate symptoms of financial distress.

Early Stage but Stable Foundation:
With incorporation in March 2024 and first accounts for the year ending March 2025, AMG BUILDING EXPERTS LTD is in infancy, which means it lacks a financial history to fully evaluate trends. However, the initial financial snapshot reveals no "symptoms of distress" such as negative working capital or net losses.

Balance Sheet Strength:
The net assets of £7,322 and equity position suggest the company is "financially fit" with sufficient capital to sustain operations. Long-term liabilities are moderate and do not threaten solvency.

Operational Scale:
The small employee base and micro-entity status confirm the company is operating at a modest scale, typical for a startup in domestic building construction.

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4. Recommendations:

1. Maintain Liquidity Vigilance:
   Continue to monitor working capital closely to ensure ongoing ability to meet short-term obligations as the business grows and takes on new projects.

2. Build Financial History:
   Regular and timely filing of accounts and confirmation statements will build a robust financial track record, essential for securing credit or investment in future growth stages.

3. Strategic Investment in Fixed Assets:
   As the company expands, consider incremental investment in tools, equipment, or technology to enhance operational efficiency, balancing asset growth with cash flow.

4. Risk Management:
   Implement basic risk management protocols, including ensuring insurance coverage and contractual safeguards, to protect against common construction industry risks.

5. Focus on Revenue Growth:
   Develop client acquisition strategies and pipeline to increase turnover, which will improve economies of scale and further strengthen financial health.

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