BECKS PMS LTD

Executive Summary

BECKS PMS LTD is currently financially stable with positive net assets and manageable liabilities, reflecting a healthy liquidity position. However, a modest decline in equity and working capital suggests the need for improved cash flow management and strategic planning to sustain financial wellness. With targeted actions, the company can maintain its strong financial health and support future growth.

BECKS PMS LTD - Analysis Report

Company Number: 13645288

Analysis Date: 2025-07-29 12:58 UTC

Financial Health Assessment for BECKS PMS LTD as of 30 September 2024

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1. Financial Health Score: B

Explanation:
BECKS PMS LTD demonstrates a solid financial position with positive net current assets and shareholders' funds, indicating a generally healthy financial "pulse." However, a slight decline in net current assets and shareholders' funds over recent years signals mild symptoms of financial strain that warrant careful monitoring. The company’s micro-entity status and single-employee operation suggest a lean structure but also limited scale and resources.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Current Assets	36,420	Adequate liquid resources, though a slight decline from prior year.
Current Liabilities	11,506	Manageable short-term obligations, significantly reduced from 2023, improving liquidity.
Net Current Assets	24,914	Positive working capital indicating ability to cover short-term debts comfortably.
Shareholders’ Funds	24,914	Equity capital remains positive but reduced from £28,983 in 2023, indicating some erosion.
Employee Count	1	Micro scale operation, low fixed overheads but limited capacity for growth.
Account Category	Micro	Simplified reporting; limited data availability but typically low complexity.
Company Status	Active	Operating normally with no indications of distress or liquidation proceedings.

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3. Diagnosis

BECKS PMS LTD's financial "vital signs" show a company currently in a stable state, with sufficient liquidity and positive net assets to meet its short-term obligations—akin to a patient with stable blood pressure and heart rate. The reduction in shareholders' funds and net current assets over the last year may be a mild symptom of operational pressures or increased costs but is not immediately alarming.

The company operates within a micro-entity framework, which limits its scale and reporting requirements but also points to a lean business model. The single director and sole employee, who also holds full ownership and control, suggest centralized decision-making and limited external governance.

The absence of overdue filings and no signs of insolvency proceedings indicate regulatory compliance and operational continuity. However, the decrease in working capital from £28,983 to £24,914 over the last year signals the need for vigilance. This may stem from reduced cash inflows, higher expenses, or timing differences in receivables/payables.

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4. Recommendations

• Enhance Cash Flow Monitoring:
  To counteract the slight downward trend in net current assets, introduce rigorous cash flow forecasting and management to ensure continued healthy liquidity.

• Diversify Revenue Streams:
  Consider expanding client base or service offerings within management consultancy to mitigate risks associated with limited scale and single-client dependencies.

• Build Financial Buffers:
  Aim to gradually increase cash reserves or access to short-term credit facilities to cushion against unexpected financial stress.

• Governance and Controls:
  Even as a micro-entity, establish basic financial controls and periodic financial reviews, possibly with external advisory support, to detect early symptoms of distress.

• Strategic Planning:
  Leverage the director’s consultancy expertise to formulate a longer-term growth plan, balancing cautious expansion with the preservation of financial stability.

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