BCH SURVEYING & ESTIMATING SERVICES LTD

Executive Summary

BCH Surveying & Estimating Services Ltd demonstrates robust financial health for a micro-entity, with strong liquidity and growing net assets indicating a stable and solvent business. While its asset base is modest and profitability details are limited, the company is well-positioned to maintain operations and pursue controlled growth. Implementing regular financial reviews and diversifying assets will enhance long-term resilience.

BCH SURVEYING & ESTIMATING SERVICES LTD - Analysis Report

Company Number: 12804372

Analysis Date: 2025-07-19 13:03 UTC

Financial Health Assessment Report
Company: BCH Surveying & Estimating Services Ltd
Assessment Date: Post 2024-08-31 financial year end

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1. Financial Health Score: B (Good)

Explanation: BCH Surveying & Estimating Services Ltd shows solid financial health typical of a young micro-entity business. The company has demonstrated consistent growth in net assets and net current assets over recent years, indicating improving financial stability. However, as a micro-entity with a single employee (the director) and limited fixed assets, there remains room for improvement in diversification of assets and liquidity robustness.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Current Assets	64,746	Healthy short-term resources, primarily cash or receivables
Current Liabilities	21,920	Manageable short-term debts
Net Current Assets (Working Capital)	42,826	Strong positive working capital – a vital sign of liquidity and ability to cover short-term obligations
Net Assets (Equity)	42,106	Positive net worth indicating the company’s book value has grown substantially from £2,988 in 2020
Share Capital	100	Nominal capital, typical for micro-entities
Employee Count	1	Small workforce, typical for micro-entity
Profit & Loss Account	Not filed	No P&L disclosed due to micro-entity exemption; limits insight into profitability trends

Interpretation of Vital Signs:

• Liquidity (Healthy Cash Flow): The increase in current assets (from £19k to £65k) with controlled current liabilities points to a good liquidity position, akin to a patient with strong pulse and blood pressure — the company can meet near-term financial obligations comfortably.
• Solvency (Net Assets Growth): Net assets have grown more than fourfold in four years, signalling the business is building equity and financial resilience. This represents a strong “immune system” against financial shocks.
• Asset Base: The company has negligible fixed assets (£0 in 2024, down from £430 in 2023), which is not unusual for a service-based surveying business, but suggests reliance on intangible assets or human capital.
• Size and Scale: As a micro-entity with one employee, the business operates on a lean scale, which can be efficient but vulnerable to sudden changes in workload or market conditions.

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3. Diagnosis: Overall Financial Condition

BCH Surveying & Estimating Services Ltd is in good financial health, showing clear signs of growth and liquidity stability. The company’s balance sheet reflects a business with solid short-term financial management (“healthy cash flow”) and increasing equity, which is a positive prognosis for ongoing operations. The lack of fixed assets is typical for its industry but means the company’s value is tied mostly to its operational capability and client relationships rather than physical assets.

The absence of a Profit & Loss statement limits detailed insight into profitability, but the growth in net assets strongly suggests retained earnings or capital injections have supported the business. The single employee model implies a focused, possibly owner-operated enterprise with low overheads.

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4. Recommendations

To ensure continued financial wellness and future growth, BCH Surveying & Estimating Services Ltd should consider:

• Profit & Loss Transparency: Although exempt, voluntarily preparing and reviewing P&L statements will provide management better insight into operational profitability and cost control (“diagnosing internal symptoms”).
• Diversify Asset Base: Evaluate opportunities to invest in tools, technology, or intellectual property that could enhance service delivery and increase fixed assets, strengthening long-term value.
• Cash Flow Management: Maintain positive working capital by monitoring receivables and payables closely to avoid liquidity stress (“maintaining a healthy pulse”).
• Business Continuity Planning: As a micro-entity with one employee (the director), develop contingency plans to handle workload fluctuations or absence to avoid operational disruption (“immune system backup”).
• Growth Strategy: Explore scaling options—such as hiring or subcontracting—to increase capacity and market presence while managing associated financial risks.
• Regular Financial Reviews: Schedule periodic financial health checks like this one to catch early warning signs of distress and take corrective actions promptly.

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