CRAIG & PAUL MANAGEMENT LIMITED

Executive Summary

CRAIG & PAUL MANAGEMENT LIMITED shows a solid financial footing with steadily increasing net assets and healthy working capital, indicating good operational control and liquidity. As a micro-entity managing real estate contracts, it maintains a stable balance sheet but should continue monitoring cash flow and consider enhancing profitability transparency to sustain growth. The company is financially stable but should remain vigilant to sector risks and explore strengthening its capital base long-term.

CRAIG & PAUL MANAGEMENT LIMITED - Analysis Report

Company Number: 12469336

Analysis Date: 2025-07-20 15:40 UTC

Financial Health Assessment: CRAIG & PAUL MANAGEMENT LIMITED

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1. Financial Health Score: B

Explanation:
CRAIG & PAUL MANAGEMENT LIMITED demonstrates a solid and improving financial position typical for a micro-entity in the early stages of growth. The company’s net assets and working capital have increased steadily over the past three years, reflecting healthy operational progress and prudent management of liabilities. The score "B" reflects a financially stable and growing business with room for strengthening liquidity and resilience.

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2. Key Vital Signs

Metric	2024 Value	Interpretation
Net Current Assets	£17,602	Healthy positive working capital; the company can cover short-term liabilities comfortably.
Net Assets / Shareholders’ Funds	£17,602	Indicates a growing equity base; company value is increasing.
Current Liabilities	£3,989	Manageable short-term obligations relative to assets.
Current Assets	£21,591	Adequate short-term resources, including cash and receivables.
Employee Count	2	Small workforce consistent with micro entity classification; controls expenses.
Share Capital	£100	Minimal share capital typical for a private micro company.
Trend (Net Assets 2021-2024)	From £13 to £17,602	Significant growth in net assets over 3 years, indicating healthy accumulation of retained profits or capital injections.

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3. Diagnosis: What the Financial Data Reveals

• Healthy Cash Flow and Working Capital: The company’s net current assets have grown from £493 in 2021 to £17,602 in 2024. This is a very positive sign, showing the business generates sufficient cash or liquid assets to meet its short-term obligations promptly, avoiding symptoms of liquidity stress such as overdue payables or cash shortages.

• Growing Equity and Stability: Steady increase in shareholders’ funds shows the business is building value and not eroding equity through losses. This is essential for long-term survival and ability to attract financing if required.

• Operational Scale: The company employs 2 people, reflecting a small, tightly managed operation consistent with its micro-entity status. This likely keeps overheads low and aligns with the industry classification (management of real estate on a fee or contract basis), which may not require heavy capital expenditure.

• Potential Risks: While current indicators are healthy, the company’s small size and limited capital base mean it could be vulnerable to unexpected financial shocks or downturns in the real estate management sector. Limited publicly available data on income and profitability means reliance on balance sheet strength alone.

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4. Recommendations for Financial Wellness Improvement

1. Maintain and Monitor Liquidity: Continue managing working capital prudently to sustain the positive net current asset position. Regular cash flow forecasting will help pre-empt any shortfalls.

2. Build Profitability Transparency: If not already done, consider preparing management accounts or internal profit and loss statements to better track operational profitability and support decision-making.

3. Strengthen Capital Base Over Time: Although the company’s equity is growing, consider whether additional capital injections or retained earnings reinvestment might support planned growth or buffer against market fluctuations.

4. Risk Management: Evaluate exposure to real estate market volatility and consider diversifying client base or service offerings where feasible to reduce sector-specific risks.

5. Compliance and Governance: Ensure timely filing of accounts and confirmation statements as currently observed, maintaining good standing with Companies House and confidence with stakeholders.

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