ART WITH STONE LTD

Executive Summary

ART WITH STONE LTD is currently dormant with minimal financial activity, reflecting a stable but inactive financial condition. The company has a solid compliance record and is well-positioned to commence trading in its specialized stone finishing sector. To improve financial health, the company should focus on activating operations, securing working capital, and implementing financial controls to support sustainable growth.

ART WITH STONE LTD - Analysis Report

Company Number: 14594829

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

Financial Health Score:
Grade: C (Dormant status - minimal financial activity but stable)
Explanation: The company is currently dormant, indicating no active trading or revenue generation yet. While this means no immediate financial distress, it also indicates no operational cash flow or profit generation to support growth or debt servicing. The financial health is stable but inactive, meriting a middle grade reflecting both safety and lack of financial vitality.

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Key Vital Signs:

• Company Status: Active, Private Limited Company, Dormant account category. No trading activity reported for the financial year ending 31 January 2024.
• Cash Position: £1 cash at bank - effectively negligible liquidity.
• Net Assets/Shareholders’ Funds: £1 (1 ordinary share) - minimal equity base, no retained earnings or reserves.
• Profit & Loss: No trading or profit/loss activity due to dormant status.
• Filing Compliance: Up to date; accounts and confirmation statements filed on time, no overdue filings or penalties.
• Control & Governance: Single director and 100% owner, Mr Michael James Healy, who is engaged as a stonemason - aligns with the SIC code for stone cutting and finishing.
• Industry Classification: SIC 23700 - Cutting, shaping and finishing of stone - a niche craft industry.

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Symptoms Analysis:

• The company’s dormant status signals a "resting state" with no operational transactions or financial activity. This can be viewed as a "healthy pause" if the company is in a start-up or pre-trading phase, or a symptom of inactivity if intended to be operational.
• The minimal cash and equity base suggest no buffer for operational expenses or investment, implying the company is currently not generating revenue or incurring costs.
• No liabilities or debts are reported, indicating no financial distress or obligations.
• The single director/owner structure indicates tight control but also potential risk due to concentration of responsibility and lack of diversification in management.
• Compliance with filing deadlines demonstrates good "corporate hygiene," reducing risk of regulatory penalties.

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Diagnosis:
ART WITH STONE LTD is in a financially stable but inactive state, with no signs of financial distress or operational activity. The company is effectively in a dormant phase, likely either newly incorporated and yet to trade or intentionally non-operational. This status means there are no immediate cash flow concerns or creditor pressures, but also no income generation or asset accumulation. The business’s financial health is neutral — stable but not growing or generating returns. The director’s craft background aligns well with the company’s SIC code, implying readiness to commence trading in their specialized field when conditions allow.

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Prognosis:
If the company transitions from dormancy to active trading with adequate capitalization and revenue generation, the financial outlook can improve significantly. However, without capital infusion or business activity, the company will remain in a low vitality state with no financial growth. The company must initiate operations, invest in working capital, and generate sales to improve its financial health. The current compliance and governance framework provide a solid foundation for future growth when trading commences.

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Recommendations:

1. Activate Trading Operations: Develop and implement a business plan to begin trading in the stone cutting and finishing sector to generate revenue.
2. Capital Funding: Consider injecting working capital to support initial operational expenses such as equipment, materials, and staffing.
3. Financial Planning: Establish basic financial controls and cash flow forecasts to monitor upcoming financial needs and performance once trading begins.
4. Governance: Maintain timely filing and compliance to avoid penalties; consider adding additional directors or advisors for strategic support.
5. Market Development: Engage in marketing and client acquisition to build a customer base aligned with the company’s specialized services.
6. Monitor Financial Health: Once trading starts, track key financial metrics such as liquidity ratios, profitability, and working capital to detect early signs of distress or growth opportunities.

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