CONCORDE SERVICES LIMITED

Executive Summary

CONCORDE SERVICES LIMITED is financially stable with strong liquidity and positive equity, reflecting a healthy balance sheet overall. While the company maintains good short-term financial health, attention is needed on medium-term liabilities and net asset trends to prevent future distress. Strategic focus on debt management and operational sustainability will support continued financial wellness.

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Company Analysis

This analysis is opinion only and should not be interpreted as financial advice.

CONCORDE SERVICES LIMITED - Analysis Report

Company Number: 13574944

Analysis Date: 2025-07-29 14:44 UTC

Financial Health Assessment Report for CONCORDE SERVICES LIMITED


1. Financial Health Score: B

Explanation:
CONCORDE SERVICES LIMITED demonstrates a generally stable financial condition, with solid net current assets and positive shareholders’ funds. The company shows good liquidity and reasonable control over short-term liabilities. However, the consistent net assets decline and the presence of medium-term liabilities suggest some caution. The absence of employees also indicates minimal operational scale or reliance on subcontractors/outsourcing. Overall, the company is financially healthy but with early warning signs that merit monitoring.


2. Key Vital Signs

Metric 2024 Value (£) Interpretation
Current Assets 144,229 Healthy level of liquid and short-term assets available.
Current Liabilities 26,151 Manageable short-term debts; decreased from previous year.
Net Current Assets 118,078 Strong working capital indicating ability to cover short-term obligations comfortably.
Creditors beyond 1 year 34,219 Medium-term liabilities; caution needed on repayment terms.
Net Assets 83,859 Positive equity indicating the company is not insolvent.
Shareholders’ Funds 83,859 Reflects retained earnings and capital invested; slightly declining.
Employee Count 0 No employees; operational model likely lean or outsourced.

Interpretation Summary:
The company’s "vital signs" indicate a "healthy cash flow" situation with current assets well exceeding current liabilities, suggesting no immediate liquidity distress. However, the net assets have slightly decreased over time, and the company carries a moderate level of medium-term debt, which could potentially become a "symptom of distress" if not carefully managed. The lack of employees is unusual, suggesting a non-traditional business structure or reliance on external partners.


3. Diagnosis

Overall Financial Condition:
CONCORDE SERVICES LIMITED appears to be in a stable financial condition with a strong liquidity position, signified by a robust net current asset position. The company’s ability to meet short-term liabilities is excellent, reducing the risk of cash flow crises. However, the slight downward trend in net assets and shareholders’ funds could represent "incipient fatigue" in the balance sheet strength, possibly due to increased medium-term liabilities or operational expenses.

The absence of employees might indicate a consultancy or project-based business model, consistent with its SIC code (70229 - Management consultancy activities other than financial management). This can reduce fixed overheads, but it also means the company may be vulnerable to fluctuations in contract wins or client payments.

There is no indication of overdue filings or compliance issues, and the director holds full ownership and control, which may facilitate swift decision-making but also concentrates risk.


4. Recommendations

To maintain and improve financial wellness, CONCORDE SERVICES LIMITED should consider the following:

  1. Monitor Medium-Term Liabilities:
    The increasing creditors falling due after more than one year should be reviewed closely. Consider restructuring or paying down these obligations where possible to reduce financial leverage and interest burden.

  2. Strengthen Net Asset Base:
    Explore opportunities to increase retained earnings through revenue growth or cost efficiencies. Even minor improvements in profitability can help reverse the slight decline in net assets.

  3. Liquidity Management:
    Maintain the strong current asset position to ensure ongoing “healthy cash flow.” Prompt invoicing and effective debtor management are vital, given the consultancy business model.

  4. Operational Model Review:
    Since there are no employees, assess the sustainability of outsourcing or subcontracting arrangements. Ensure that this model does not expose the company to service delivery risks or client dissatisfaction.

  5. Contingency Planning:
    Given the concentrated control by a single director, consider formalizing risk management processes and succession planning to safeguard continuity.

  6. Regular Financial Review:
    Conduct regular financial health check-ups, focusing on cash flow forecasts and debt maturity profiles, to detect any early symptoms of financial stress.



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