CLOVER CARS (PLUMLEY) LIMITED

Executive Summary

CLOVER CARS (PLUMLEY) LIMITED is a newly incorporated private limited company currently dormant with no trading activity. Its financial health is stable but minimal, reflected in a balance sheet consisting solely of issued share capital. For improved financial wellness, the company should focus on activating trading operations, securing adequate funding, and maintaining rigorous financial and compliance management.

CLOVER CARS (PLUMLEY) LIMITED - Analysis Report

Company Number: 15055488

Analysis Date: 2025-07-20 13:29 UTC

Financial Health Assessment for CLOVER CARS (PLUMLEY) LIMITED

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1. Financial Health Score: D (Dormant Status)

Explanation:
The company is currently dormant, meaning it has had no significant financial activity during the reporting period. While there are no signs of financial distress, the lack of operational data limits any positive assessment of financial health beyond basic solvency. The score "D" reflects a minimal financial footprint rather than active healthy trading.

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2. Key Vital Signs

Metric	Value	Interpretation
Status	Active	Company is legally active and not dissolved or in liquidation.
Account Category	Dormant	No trading activity; minimal financial data available.
Net Assets	£100	Represents issued share capital; no accumulated profits/losses.
Shareholders' Funds	£100	Equity equals nominal share capital; no retained earnings.
Last Accounts Filed	31 August 2024	Accounts filed on time; no overdue filings or penalties.
Director	Stephen Ellis	Single director with full control and responsibility.
Industry SIC Code	45111	Business intended for sale of new cars and light motor vehicles.

Interpretation:

• The company's vital signs indicate it is at a very early stage or intentionally dormant, with only the nominal share capital recorded as net assets.
• No trading results, cash flows, or liabilities are reported, so there are no symptoms of financial distress or operational success to analyze.
• Compliance with filing deadlines and regulatory requirements is up to date, which is a positive operational sign.

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3. Diagnosis

Overall Financial Condition:
CLOVER CARS (PLUMLEY) LIMITED currently shows the characteristics of a "healthy patient at rest" — dormant with no active trading or financial operations. This is common for newly incorporated companies that have not yet commenced trading or are holding the company structure for future use.

• The balance sheet is extremely simple, showing only the issued share capital (£100) as net assets and shareholders' funds.
• No liabilities, revenues, expenses, or cash flow information is available to assess operational viability.
• The director holds full control and oversight, which centralizes decision-making but also concentrates risk.
• The company meets all statutory obligations, which indicates good administrative health.

Symptoms of Concern:

• Absence of trading activity means no income generation or cash inflows, which will be essential for future sustainability.
• Dormancy status may indicate a pause or delay in business plans, which if prolonged could risk loss of market momentum or competitive position once operational.
• Minimal capital base (£100) may require injection of additional funds to support future trading activities and working capital needs.

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4. Recommendations

To transition from dormancy to a healthy trading state, the company should consider the following actions:

1. Business Activation:
   Initiate trading operations as planned, ensuring revenue generation to provide "healthy cash flow" and operational momentum.

2. Capital Investment:
   Assess funding requirements and consider increasing share capital or securing external finance to support initial working capital and asset purchases.

3. Financial Planning and Monitoring:
   Implement robust financial record-keeping and budgeting processes to track revenues, costs, and cash flow once trading begins.

4. Compliance Maintenance:
   Continue timely filing of accounts and confirmation statements to avoid regulatory penalties and maintain good standing.

5. Strategic Review:
   Regularly review the business model and market conditions to align operations with emerging opportunities and mitigate risks.

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