Company Number: 15113662

Analysis Date: 2025-07-29 19:50 UTC

Financial Health Assessment for CARDINHAM COACHING LTD

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1. Financial Health Score: D (Dormant/Minimal Activity)

Explanation:
CARDINHAM COACHING LTD is classified as a dormant company with virtually no financial transactions during the accounting period. The financial statements show a minimal balance sheet with just £1 in cash and net assets reflecting a single £1 share capital. This indicates the company has not yet commenced active trading or business operations. While there are no signs of financial distress, the lack of operational data limits the ability to assess true financial health. In medical terms, the company is in a state of "clinical dormancy"—not ill, but not yet active or exhibiting signs of growth.

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2. Key Vital Signs:

Metric	Value	Interpretation
Status	Active	Company is currently registered and active.
Account Category	Dormant	No significant trading activity during the year.
Cash at bank	£1	Minimal cash holding; no operational liquidity.
Net Assets	£1	Equity equals nominal share capital only.
Shareholders’ Funds	£1	Reflects initial capital investment only.
Directors	1 (Lucy Sharp)	Single director with relevant expertise.
Significant Control	Two individuals owning 25-50% shares each	Ownership split indicates shared control.
Filing Compliance	Up to date	No overdue filings or penalties.
Industry Classification	Management consultancy (non-financial)	Business sector identified but no activity yet.

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3. Diagnosis:

The company's financial "vital signs" indicate a freshly incorporated entity with no operational history or financial activity—essentially in the incubation phase. This is typical for a start-up or newly formed company that has yet to begin trading or generate revenue. The presence of just £1 in cash and equity suggests the company issued a single share and has not raised further capital or incurred liabilities.

There are no symptoms of financial distress such as negative net assets, accumulated losses, or liquidity problems. However, the absence of operational data means we cannot evaluate profitability, cash flow health, or working capital adequacy. The governance structure appears stable with a single director and two individuals holding significant control, which is a positive sign for clear decision-making.

Overall, the financial picture is neutral but incomplete—like a patient who has had a full medical check-up but has just arrived at the clinic with no symptoms to evaluate.

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4. Recommendations:

• Commence Trading and Financial Tracking:
  Initiate business operations and maintain detailed financial records to generate meaningful financial data for future assessments.

• Capital Injection if Needed:
  Consider increasing share capital or securing funding to support initial operating expenses and working capital needs when trading starts.

• Cash Flow Management Planning:
  Develop a cash flow forecast to ensure sufficient liquidity once operational activities begin, avoiding future "cash flow distress."

• Regular Financial Reporting:
  Ensure timely preparation and filing of accounts beyond dormant status once trading starts. This will provide vital insights into profitability, solvency, and financial stability.

• Governance and Compliance:
  Maintain current good standing with Companies House by filing confirmation statements and accounts on time to avoid penalties and reputational issues.

• Strategic Business Planning:
  Utilize the director’s expertise in executive coaching and consultancy to develop a clear business plan and growth strategy to transition from dormancy to active trading.

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