CONSULT GC LTD

Executive Summary

CONSULT GC LTD is a young, micro-sized management consultancy exhibiting a solid financial foundation with positive net assets and liquidity. While the company shows no immediate signs of distress, limited operational history and financial disclosures require careful monitoring of profitability and cash flow as it grows. Maintaining robust internal financial controls and compliance will support sustainable development and mitigate early-stage risks.

CONSULT GC LTD - Analysis Report

Company Number: 14810578

Analysis Date: 2025-07-20 18:45 UTC

Financial Health Assessment for CONSULT GC LTD

---

1. Financial Health Score: B

Explanation:
As a newly incorporated micro-entity (since April 2023), CONSULT GC LTD shows a solid initial financial position with positive net current assets and net assets of approximately £65k. The company is well-capitalized relative to its size, indicating no immediate financial distress. However, limited operating history and modest fixed assets constrain a higher rating. The absence of profit and loss data limits insight into profitability and cash flow trends.

---

2. Key Vital Signs

Metric	Value	Interpretation
Incorporation Date	18-Apr-2023	Very young company with limited financial history.
Account Category	Micro	Subject to simplified reporting; limited disclosure on profitability and cash flows.
Fixed Assets	£611	Minimal investment in long-term assets; typical for a consultancy starting out.
Current Assets	£102,811	Healthy liquidity pool, primarily cash or receivables, indicating available cash resources.
Current Liabilities	£38,461	Short-term obligations are moderate relative to current assets.
Net Current Assets	£64,350	Positive working capital, indicating ability to cover short-term debts comfortably.
Net Assets / Shareholders’ Funds	£64,961	Indicates the company is solvent with a positive equity base.
Number of Employees	1	Very small operation, likely owner-managed consultancy.
Director Control	75-100% owned by Ms. Gurvinder Kaur Chandale	Strong control and alignment of ownership and management.
Filing Status	Up-to-date	No overdue filings or penalties; good compliance with Companies House requirements.

---

3. Diagnosis

Overall Financial Condition:
CONSULT GC LTD presents with the "vital signs" of a financially stable micro-entity in its infancy. The company shows no symptoms of financial distress such as negative working capital or high leverage. The current assets exceeding current liabilities by a significant margin is a sign of healthy liquidity—akin to a patient with strong pulse and blood pressure.

However, the limited size and absence of profit and loss data (due to micro-entity filing exemptions) obscure a clear picture of operational profitability and cash flow sustainability. The small fixed asset base is typical for a consultancy but suggests limited capital investment so far.

The single director and owner’s strong control imply streamlined decision-making, but also concentration risk. Given the company’s recent incorporation, it is in an early stage of "growth and development," which is a critical period to monitor cash burn and revenue generation.

---

4. Recommendations

• Establish Detailed Profit & Loss Tracking:
  Despite micro-entity exemptions, maintain internal records of profitability and cash flow. This will help detect early "symptoms" of operational stress and guide management decisions.

• Cash Flow Management:
  Ensure continuous monitoring of receivables and payables to maintain healthy liquidity. Avoid overextending short-term liabilities to preserve positive working capital.

• Plan for Growth Investment:
  Consider strategic investment in fixed assets or technology to support growth if demand increases. This will strengthen the asset base and operational capacity.

• Maintain Compliance Vigilance:
  Continue timely filing of accounts and confirmation statements to avoid regulatory penalties, which can act like "infection" to company reputation and creditworthiness.

• Risk Diversification:
  As the sole director and shareholder, consider contingency planning for management continuity to reduce "single-point-of-failure" risk.

---