BLOOMFIELD VETERINARY SERVICES LTD

Executive Summary

BLOOMFIELD VETERINARY SERVICES LTD, as a newly formed micro-entity, exhibits a stable but fragile financial condition characterized by tight liquidity and minimal equity. The company is operating within a healthy but limited financial scope typical of start-ups, requiring careful cash flow management and capital strengthening to ensure sustainable growth. Continued compliance and strategic financial planning will be key to improving its financial wellness.

BLOOMFIELD VETERINARY SERVICES LTD - Analysis Report

Company Number: 15086076

Analysis Date: 2025-07-29 20:19 UTC

Financial Health Assessment for BLOOMFIELD VETERINARY SERVICES LTD

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1. Financial Health Score: C (Fair)

Explanation:
As a newly incorporated micro-entity, BLOOMFIELD VETERINARY SERVICES LTD shows the basic financial signs of a start-up business. The company has positive net current assets and shareholders’ funds, indicating it is not insolvent and can meet short-term obligations. However, the financial scale is minimal with limited capital and working capital, reflecting early-stage operations with limited financial buffers. The score "C" reflects a fair but fragile financial position typical of a nascent company.

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2. Key Vital Signs:

Metric	Value	Interpretation
Current Assets	£6,917	Cash and receivables are present but small in scale.
Current Liabilities	£6,444	Short-term debts are nearly equal to current assets, indicating tight liquidity.
Net Current Assets	£473	Slightly positive working capital; limited cushion for day-to-day operations.
Net Assets (Equity)	£475	Small equity base; company funded by minimal capital injection.
Number of Employees	1	Single employee indicates very small operational scale.
Share Capital Not Paid	£2	Minimal capital not yet called, indicating small shareholder investment.

Interpretation:
The vital signs indicate a young micro-entity with a "healthy but fragile cash flow" position. The company can cover its immediate debts but with little room for unexpected expenses or growth investment. The minimal net assets reflect a business that is just starting to establish itself financially.

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3. Diagnosis:

From the financial data and accounts:

• Liquidity Status: The company has positive net current assets (£473), showing it can meet short-term obligations, but the margin is narrow. This suggests "symptoms of liquidity caution" where cash flow management will be critical to avoid distress.

• Capital Structure: Shareholders’ funds of £475 reveal minimal equity funding, common in startups. This means limited financial resilience against losses or downturns.

• Operational Scale: Employing only one person (likely the director) and being micro-entity sized reflects the initial phase of business operations with low fixed costs but also low revenue-generating capacity.

• Profitability: No profit & loss details are provided, but the absence of accumulated reserves or losses suggests operations are in their infancy, potentially pre-revenue or break-even.

• Compliance: Accounts and returns filings are up to date, indicating good governance and compliance health.

Overall, BLOOMFIELD VETERINARY SERVICES LTD is in a stable but vulnerable financial state typical of a start-up micro business. The primary "symptom" is tight liquidity and minimal financial buffer, requiring careful management.

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4. Recommendations:

• Strengthen Cash Reserves: Aim to increase current assets through retained earnings, additional capital injections, or short-term financing to build a more comfortable liquidity buffer.

• Monitor Cash Flow Closely: Implement rigorous cash flow forecasting to anticipate and manage timing differences between income and expenses — preventing "cash flow fatigue."

• Plan for Growth: Develop a financial plan to scale operations beyond a single employee and increase turnover, which will improve working capital and net assets.

• Maintain Compliance: Continue timely filing of accounts and confirmation statements to avoid penalties and maintain good standing.

• Seek Financial Advice Early: As the business grows, consider engaging financial expertise to optimize tax planning, funding options, and financial controls.

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