BENJAMIN FORWARD LIMITED

Executive Summary

Benjamin Forward Limited is a financially stable micro-entity showing healthy working capital and net assets typical of a young service business. The company demonstrates strong regulatory compliance and a solid foundation but remains at an early stage where careful cash flow and risk management are crucial. With prudent operational expansion and continued financial discipline, the outlook is positive for sustainable growth.

BENJAMIN FORWARD LIMITED - Analysis Report

Company Number: 15054618

Analysis Date: 2025-07-20 12:54 UTC

Financial Health Assessment for BENJAMIN FORWARD LIMITED

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1. Financial Health Score: B

Explanation:
The company shows a generally healthy financial condition for a newly incorporated micro-entity, with positive net current assets and net assets. The working capital position is sound, and there is no indication of overdue filings or external financial distress. However, the scale of operations is very small, and the limited asset base and accruals indicate the company is still in its infancy, so caution is warranted in interpreting these results as robust long-term strength.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Fixed Assets	658	Minimal investment in long-term assets, typical for a new micro business.
Current Assets	41,539	Healthy short-term assets, indicating available liquidity.
Current Liabilities	29,318	Debts due within one year are moderate relative to current assets.
Net Current Assets	12,221	Positive working capital, a sign of good short-term financial health ("healthy cash flow").
Total Assets Less Current Liabilities	12,879	Reflects total net resources after short-term debts.
Net Assets (Shareholders’ Funds)	11,379	Positive equity showing that the company’s resources exceed liabilities ("solid financial foundation").
Accruals and Deferred Income	1,500	Small accruals indicate some obligations not yet paid but not excessive.
Employees	1	Very small operation, consistent with micro company status.
Filing Status	Up to date	No overdue accounts or returns, indicating regulatory compliance.

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3. Diagnosis

The company is in the early stages of its lifecycle, having been incorporated less than two years ago and operating as a micro-entity under the "Other human health activities" SIC code. The financial "vitals" reveal a business that has begun operations with a positive net asset position and sound working capital, which are critical indicators of financial health.

No symptoms of financial distress such as negative working capital, large outstanding debts, or overdue filings are present. The modest fixed asset base is typical for a service-oriented business. The director is the sole significant controller, suggesting streamlined decision-making but also concentration risk.

Overall, the company’s financial health is stable but still fragile due to its infancy and small scale. The positive net current assets and net assets serve as a "healthy pulse," but the company must continue to build operational scale and maintain liquidity to avoid future risks.

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4. Recommendations

• Maintain Strong Working Capital Management: Continue monitoring cash flow closely to ensure current liabilities can be met comfortably; avoid overextending credit or incurring unnecessary short-term debt.
• Build Asset Base Prudently: As the business grows, consider investing in essential fixed assets that enhance operational capacity and long-term sustainability.
• Diversify Risk: Given the single-person control and small size, consider succession planning or involving additional skilled personnel to reduce concentration risk.
• Compliance Vigilance: Keep filing obligations up to date to avoid penalties and maintain trust with stakeholders.
• Strategic Growth Planning: Develop a clear growth plan that balances expansion with financial prudence, ensuring that increased operations don’t jeopardize liquidity.
• Regular Financial Review: Implement quarterly financial reviews to detect early symptoms of distress and adjust operations proactively.

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