ANDCETERA PORTFOLIO LIMITED

Executive Summary

ANDCETERA PORTFOLIO LIMITED maintains a minimal financial base with net assets and working capital barely positive, indicating a fragile financial status. While compliance is maintained and no immediate distress signals exist, the company shows no growth in equity or profitability, operating with a razor-thin margin. Strengthening liquidity, generating profits, or reassessing operational strategy are recommended steps to improve financial health.

ANDCETERA PORTFOLIO LIMITED - Analysis Report

Company Number: 13223344

Analysis Date: 2025-07-29 12:10 UTC

Financial Health Assessment for ANDCETERA PORTFOLIO LIMITED

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1. Financial Health Score: D

Explanation:
The company demonstrates a very minimal financial base with net assets and shareholder funds consistently at £100 over multiple years. Current assets and liabilities nearly balance out, resulting in negligible net current assets (£100 each year). This indicates the company operates on a very thin margin with practically no financial cushion or growth in equity. While there are no signs of immediate distress (e.g., negative equity or overdue filings), the financial picture is fragile and signals a precarious financial position.

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2. Key Vital Signs:

• Net Assets / Shareholders’ Funds: £100 (constant over 3+ years)

  • This is the company's equity base and reflects minimal retained earnings or capital injection. It suggests the company is barely maintaining its net worth.

• Current Assets: £9,700 (2024) down from £13,730 (2023)

  • Represents cash, receivables, or other short-term assets. The decrease indicates a slight reduction in liquid resources.

• Current Liabilities: £9,600 (2024) down from £13,630 (2023)

  • Short-term obligations almost equal to current assets, implying working capital is very tight.

• Net Current Assets (Working Capital): £100

  • Positive but minimal working capital indicates the company can just meet its short-term liabilities but has almost no financial buffer.

• Profitability: Not disclosed explicitly; however, retained earnings appear stagnant (no increase in net assets), indicating no substantial profits or losses.

• Employee Count: 1 (director only)

  • Very small scale operation, likely no significant operational complexity.

• Account Category: Micro-entity, benefiting from simplified reporting but also indicating very limited scale.

• Compliance: Accounts and confirmation statements filed on time, no overdue filings. This shows good compliance health.

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3. Diagnosis:

Symptoms of Financial Fragility:
The financials reveal a company living on a razor-thin margin, with virtually no accumulated profits or capital growth. The net assets and working capital position are barely positive, indicating a "healthy cash flow" is absent or minimal. The similarity between current assets and liabilities suggests the company operates hand-to-mouth, with little ability to absorb shocks or invest in growth.

No signs of insolvency or distress are present, but the lack of growth in net assets over multiple years may indicate the company is either dormant in terms of trading or operating at a break-even or loss-making level covered by minimal capital.

The single director, likely also the sole employee, suggests a very small operation, potentially a holding company, portfolio company, or a business with limited activities.

Underlying Issues:

• Lack of financial growth or retained earnings accumulation.
• Minimal working capital buffer.
• Limited operational scale.

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4. Recommendations:

• Improve Liquidity and Working Capital:
  Seek to increase current assets or reduce current liabilities to build a stronger buffer for short-term obligations. This could involve renegotiating payment terms with suppliers or accelerating receivables collection.

• Capital Injection or Profit Generation:
  Consider injecting additional shareholder capital or focus on business activities that generate profits and retained earnings to build net assets.

• Operational Review:
  Assess whether the company is actively trading or if it functions as an inactive holding entity. If inactive, consider the strategic purpose of maintaining the company versus potential closure.

• Cost Control:
  With such a tight margin, controlling overheads and minimizing expenses is critical to avoid slipping into negative equity.

• Financial Planning:
  Develop a simple budget or cash flow forecast to anticipate any liquidity issues and prepare accordingly.

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