CHILTERN BREW LIMITED

Executive Summary

Chiltern Brew Limited is a newly formed micro-entity with a very modest financial base and no employees, indicating early-stage development. The company’s financial health is fragile due to minimal net assets and working capital, requiring actions to improve liquidity and operational scale. With focused efforts on capital infusion and business launch, the company could progress toward financial stability.

CHILTERN BREW LIMITED - Analysis Report

Company Number: 14654072

Analysis Date: 2025-07-29 16:30 UTC

Financial Health Assessment for Chiltern Brew Limited

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1. Financial Health Score: D

Explanation:
The company is in its infancy (incorporated in 2023) and classified as a micro-entity with minimal financial activity reflected in very low asset and equity values (£100). The financial "vital signs" indicate a fragile financial state with essentially nominal working capital and no evidence of operational cash flow or profitability. While the company is compliant with filing requirements and has no overdue accounts, the extremely low net assets and absence of employees suggest limited business activity or early-stage development. This warrants a cautious outlook.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Net Current Assets	100	Barely positive working capital; indicates minimal liquidity.
Total Assets Less Current Liabilities	100	Total tangible assets net of short-term debts are negligible.
Net Assets (Shareholders’ Funds)	100	Equity base is nominal; minimal capital invested or retained earnings.
Average Number of Employees	0	No staff employed, indicating no operational scale currently.
Account Category	Micro	Subject to simplified reporting; consistent with small scale.

Interpretation:

• The "healthy cash flow" of a business is indicated by positive and sufficient net current assets; here, the £100 balance is too low to cover unexpected expenses or growth needs.
• The steady but minimal net assets over three reporting periods show no growth or profitability gains.
• Lack of employees suggests the company may be dormant or in a pre-operational phase, possibly testing the market or awaiting capital infusion.

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3. Diagnosis

Chiltern Brew Limited is in a very early stage of its life cycle with minimal financial activity and capital base. The financial "symptoms" show a company that has yet to establish a sustainable operating model or generate meaningful revenues. The balance sheet reflects almost no operational scale or financial buffer, which is common for micro-entities just formed. There is no indication of distress such as negative net assets or liabilities exceeding assets, which is a positive sign. However, the company’s financial health is fragile — it cannot currently absorb shocks or invest in growth without external funding or increased revenue.

The sole director and 100% shareholder, Mrs Suzanne Mary Bone, holds full control of the business, which simplifies decision-making but also concentrates risk.

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4. Recommendations

• Increase Working Capital: Seek additional capital injection or generate initial sales to build a more robust liquidity buffer. Healthy net current assets reduce financial stress.
• Operational Commencement: If not already trading, focus on launching operations to generate revenue and test the business model viability.
• Financial Monitoring: Regularly track cash flow and expenses to avoid “symptoms of distress” such as late payments or inability to meet obligations.
• Cost Control: Maintain lean operations with minimal fixed costs until revenues increase.
• Planning for Growth: Develop a business plan with clear milestones to transition from micro-entity status to a sustainable small business.
• Consider External Advice: Engage with a financial advisor or business mentor to refine strategy and financial management.

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Executive Summary