Company Number: 13937075

Analysis Date: 2025-07-29 14:46 UTC

Financial Health Assessment for Cloudberry Property Limited

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1. Financial Health Score: B

Explanation:
Cloudberry Property Limited shows solid early-stage financial indicators consistent with a young, small-scale property agency business. Its net current assets and positive net assets reflect a stable working capital position, though the absolute values are modest. Cash levels are healthy relative to short-term liabilities, indicating a "healthy cash flow pulse." However, the company’s scale and financial buffers are still limited, suggesting room for strengthening resilience as it grows.

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2. Key Vital Signs

Metric	2024 Value (£)	Interpretation
Cash at Bank	17,284	Adequate cash reserves for immediate needs
Current Liabilities	14,761	Manageable short-term obligations
Net Current Assets	2,523	Positive working capital, indicating liquidity
Net Assets (Shareholders' Funds)	2,523	Positive equity, business solvent
Employee Count	1	Small, likely owner-operated or minimal staff
Turnover (not disclosed)	N/A	Turnover not provided; revenue trend unknown

Interpretation:

• The company maintains a positive liquidity position with net current assets exceeding liabilities, a "healthy blood pressure" indicator in financial terms.
• Cash decreased slightly in 2024 compared to 2023, but remains sufficient to cover short-term liabilities, suggesting no immediate cash flow distress.
• Shareholders' funds have increased from £1,064 to £2,523 year-on-year, reflecting retained earnings or capital injection and an improving "immune system" against financial shocks.
• The company operates at a micro/small scale with a single employee, reflective of a lean operation.

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3. Diagnosis

Cloudberry Property Limited is in a stable and solvent financial condition, with all fundamental financial "vital signs" within healthy ranges for a small property agency. The balance sheet shows no signs of distress such as negative working capital or net liabilities, which are common "symptoms" in companies facing financial difficulties.

The modest scale and limited financial reserves mean the business is still vulnerable to adverse market changes or unexpected expenses—akin to a patient with good baseline health but low reserves to fight off serious illness. The company’s reliance on a single director and employee (likely the same person) also points to operational concentration risk.

Lack of turnover and profit figures limits a deeper diagnosis on profitability and cash flow sustainability, but the upward trend in net assets is a positive sign of retained profitability or capital support.

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4. Recommendations

To strengthen financial wellness and build resilience, Cloudberry Property Limited should consider the following:

• Increase Cash Reserves: Maintain or grow cash reserves to improve buffer against cyclical fluctuations in the property market or operational delays. This is like building stronger "immune reserves."
• Expand Revenue Streams: Monitor turnover and profitability closely. Diversify client base or add complementary services to smooth revenue cycles.
• Manage Liabilities Prudently: Keep current liabilities under control, avoiding over-reliance on short-term debt which could strain liquidity.
• Formalize Financial Tracking: Implement regular financial reporting and cash flow forecasts to detect early symptoms of financial stress.
• Consider Growth Strategy: Explore prudent hiring or partnerships to reduce single-person dependency, thereby strengthening operational "circulatory system" and risk management.
• Plan for Taxation: Ensure tax and social security costs are factored into cash flow to avoid surprises.

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Executive Summary

Cloudberry Property Limited demonstrates a solid financial baseline with positive working capital and shareholders' funds, indicating good short-term financial health. As a small property agency, it is financially stable but remains vulnerable due to limited scale and financial buffers. Strengthening cash reserves, expanding revenue, and managing liabilities will enhance its ability to withstand future challenges and support sustainable growth.