BRYANT HALL TODD WEALTH MANAGEMENT LIMITED

Executive Summary

Bryant Hall Todd Wealth Management Limited shows a positive trajectory in financial stability with growing net assets and improved liquidity. The company’s ability to convert working capital from negative to positive supports its capability to service short-term obligations. Approval is recommended with ongoing monitoring of creditor levels and cash flow to ensure sustained financial health.

BRYANT HALL TODD WEALTH MANAGEMENT LIMITED - Analysis Report

Company Number: 12558147

Analysis Date: 2025-07-20 13:21 UTC

1. Credit Opinion: APPROVE with monitoring. Bryant Hall Todd Wealth Management Limited demonstrates improving financial strength despite being a micro-entity. The company has grown net assets significantly over the past three years and improved working capital from a negative to positive position. Directors have direct financial advisory experience, and no adverse conduct records are noted. However, the company’s current liabilities remain relatively high compared to current assets, and reliance on long-term creditors is notable. Careful monitoring of liquidity and creditor terms is advised.

2. Financial Strength: The company’s balance sheet shows steady improvement in net assets from £22,193 in 2020 to £166,899 in 2024, indicating retained earnings buildup and business growth. Fixed assets have increased modestly, reflecting investment in long-term resources. Net current assets turned positive to £47,711 in 2024 from negative in prior years, signaling better short-term financial health. However, creditors due after more than one year remain substantial at £294,380, suggesting significant long-term obligations that require scrutiny.

3. Cash Flow Assessment: Current assets increased to £198,078 in 2024 from £87,001 in 2023, largely improving liquidity. Current liabilities rose as well but at a slower rate, enabling positive net working capital. The change from negative working capital to positive is a positive signal for meeting short-term obligations. The company employs 5 staff, a small workforce consistent with a micro business size. Absence of audit implies reliance on internal controls and management reporting, which should be verified periodically.

4. Monitoring Points:

• Maintain close review of current liabilities and creditor payment terms to avoid liquidity squeezes.
• Watch long-term creditor levels and repayment schedules to ensure sustainable debt servicing.
• Track cash flow from operations and any changes in working capital requirements.
• Observe any changes in directors or shareholder control that might affect governance.
• Review annual accounts for continued profitability and equity growth.