C & A HOLT TRADING LIMITED

Executive Summary

C & A HOLT TRADING LIMITED exhibits signs of financial fragility with minimal cash and net assets, indicating a weak liquidity position and limited financial resilience. While compliant with statutory requirements, the company’s financial "vital signs" suggest it is either in a dormant or early-stage state with urgent need to strengthen cash flow and capital adequacy. Immediate action to improve liquidity and operational activity is recommended to avoid potential financial distress.

C & A HOLT TRADING LIMITED - Analysis Report

Company Number: 12712438

Analysis Date: 2025-07-29 14:35 UTC

Financial Health Assessment for C & A HOLT TRADING LIMITED

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1. Financial Health Score: D

Explanation:
The company’s financial health score is graded D. This indicates significant concerns regarding the company’s liquidity and overall financial robustness. The very low asset base and minimal cash reserves suggest vulnerability to operational shocks or unexpected expenses. While the company is not currently in distress or overdue with filings, the financial "vital signs" reveal a fragile financial condition that requires urgent attention.

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2. Key Vital Signs

Metric	2024 Value	Interpretation
Current Assets	£10	Extremely low; insufficient to cover short-term obligations
Cash at Bank	£10	Almost negligible cash buffer for operations
Net Current Assets	£10	Minimal working capital; risky for liquidity
Net Assets / Shareholders’ Funds	£10	Very low equity base indicating minimal net worth
Share Capital	£100	Small capital injection; minimal financial cushion
Average Number of Employees	0	No staff on payroll; possibly dormant or inactive operationally

Interpretation:

• The company’s liquidity is effectively at the bare minimum, with just £10 in current assets and cash, implying "symptoms of distress" in the cash flow "circulatory system."
• Net current assets and net assets values are similarly minimal, indicating very limited financial resources to absorb losses or fund growth.
• The consistent figures over three years suggest stagnation rather than growth or recovery.
• The absence of employees may indicate a non-operational status or a business model that relies on contractors or directors only.

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3. Diagnosis

Underlying Business Health:
Despite being active and compliant with filing deadlines, the financial profile shows a company with a very thin capital buffer and minimal liquidity. The lack of operational cash and assets signals a business that may be struggling to generate revenue or possibly operating at a loss without reinvestment or growth.

The company’s exemption from audit and the absence of a profit and loss account in filings reduce transparency but are typical for small companies. However, the financial "vital signs" do not reflect a healthy financial "heartbeat." The minimal assets and equity might be symptomatic of either a very early-stage business yet to scale or a business that is currently dormant or minimally trading.

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4. Recommendations

• Improve Liquidity:
  Infuse working capital to create a healthy cash flow. This could be through director loans, equity injection, or short-term financing to ensure operational expenses and liabilities can be met without strain.

• Revenue Generation & Business Activity:
  Review business operations to identify opportunities for increasing turnover or diversifying income streams. Even modest revenue increases can stabilize the financial "pulse."

• Cost Management:
  With no employees, fixed costs may be low, but ensure overheads are tightly controlled to prevent cash depletion.

• Financial Reporting:
  Consider preparing and filing profit and loss accounts voluntarily to enhance financial transparency and facilitate better decision-making.

• Strategic Review:
  Directors should conduct a strategic review to assess long-term viability and consider restructuring if the company is inactive or not generating sufficient returns.

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