CHRIS O'NEILL CONSULTING LIMITED

Executive Summary

Chris O'Neill Consulting Limited is financially stable with growing assets and equity, demonstrating a healthy liquidity position typical of a well-managed micro-entity. While current liabilities have increased, the company maintains positive working capital and a strong equity base, indicating no immediate financial distress. Continued focus on cash flow management and operational efficiency will support sustainable growth.

CHRIS O'NEILL CONSULTING LIMITED - Analysis Report

Company Number: 14653852

Analysis Date: 2025-07-29 17:30 UTC

Financial Health Assessment Report for Chris O'Neill Consulting Limited

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1. Financial Health Score: B

Explanation:
Chris O'Neill Consulting Limited demonstrates solid financial footing for a micro-entity in its second year of operation. The company shows steady asset growth, positive net current assets (working capital), and a strong equity base relative to liabilities. While the business is young and small, its financial vital signs indicate good initial health with manageable risks. Improvements in liquidity and asset base since incorporation support a "B" grade, reflecting stable but developing financial wellness.

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2. Key Vital Signs

Metric	Year End 2025 (£)	Year End 2024 (£)	Interpretation
Fixed Assets	27,790	2,623	Healthy investment in long-term assets, showing growth.
Current Assets	14,002	5,002	Adequate short-term assets to cover near-term obligations.
Current Liabilities	10,308	1,830	Increase in short-term debts; monitoring needed.
Net Current Assets	3,791	3,248	Positive, indicating working capital buffer is maintained.
Total Assets Less CL	31,581	5,871	Strong asset base after covering short-term debts.
Net Assets (Equity)	31,541	5,871	Equity growth signals retained earnings or capital injections.

Interpretation of Vital Signs:

• Healthy Cash Flow Proxy: Positive net current assets indicate the company has enough liquid resources to meet its immediate liabilities, a sign of operational liquidity health.
• Asset Growth: The substantial increase in fixed assets suggests investment in operational capacity or tools, which could drive future revenue.
• Liability Increase: Current liabilities have increased notably; while still covered by current assets, this warrants keeping an eye on short-term debt management.
• Equity Strength: The increase in shareholders’ funds reflects either retained profits or capital contributions, providing a solid equity cushion.

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3. Diagnosis

Chris O'Neill Consulting Limited is currently in a stable financial condition, showing no symptoms of distress such as liquidity crunch or excessive leverage. The company is in its early growth phase, with increasing asset bases and equity, indicating prudent financial management and a growing capability to support operations.

The company operates in the management consultancy sector (SIC 70229), a field typically characterized by low fixed asset requirements and reliance on human capital. The investment in fixed assets over the year suggests strategic positioning, possibly in technology or infrastructure to support consultancy services.

The working capital remains positive, which is a critical vital sign akin to a healthy heartbeat, showing the business can cover its short-term obligations comfortably. The rise in current liabilities, however, should be tracked to ensure it does not signal emerging cash flow pressures.

Overall, the company displays a robust financial skeleton with no evident signs of financial stress, but as a micro-entity, it should maintain vigilance on cash flow and liability management.

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4. Recommendations

• Maintain Cash Flow Monitoring: Regularly review cash flow forecasts to identify any upcoming liquidity pressures, especially with rising current liabilities. Consider setting aside reserves or arranging short-term credit lines as a precaution.
• Optimize Working Capital: Explore strategies to accelerate debtor collections and manage creditor terms efficiently to boost net current assets further.
• Asset Utilization Review: Evaluate the returns on the increased fixed assets to ensure they contribute effectively to revenue growth and profitability.
• Financial Planning: As the business grows, consider preparing more detailed budgets and profit & loss forecasts to anticipate funding needs and investment opportunities.
• Compliance and Reporting: Continue timely filing of annual accounts and confirmation statements to avoid penalties and maintain good standing with regulators.
• Governance: Ensure directors maintain active oversight on financial controls and reporting, especially as the company scales.

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