Company Number: 12807079

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

Financial Health Assessment: CREATEABLE HR LIMITED

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1. Financial Health Score: B+

Explanation:
CREATEABLE HR LIMITED exhibits strong financial stability characteristic of a healthy micro-entity. The company has maintained positive net assets and net current assets throughout its five years of operation, showing good liquidity and solvency. The presence of fixed assets in the latest year indicates investment in operational capacity. While the company is not generating large turnover (typical of a micro-entity), its prudent balance sheet management and positive equity signal financial wellness. Slight caution is warranted due to some decline in net current assets compared to prior years, but overall, the company is in a sound financial condition.

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2. Key Vital Signs

Metric	2024 Value	Interpretation
Fixed Assets	£14,400	New investments in long-term assets suggest business growth or capability enhancement.
Current Assets	£20,300	Adequate liquid assets for short-term obligations; slight decrease from prior year.
Current Liabilities	£4,329	Manageable short-term debts; company can cover liabilities 4.7 times over with current assets.
Net Current Assets	£15,971	Strong working capital indicating healthy operational liquidity.
Total Assets less CL	£30,371	Robust asset base after settling immediate obligations.
Net Assets (Equity)	£28,837	Positive equity reflects accumulated retained profits and shareholder funding.
Share Capital	£200	Minimal share capital typical of micro-entities; majority of equity likely from retained earnings.
Average Employees	2	Small workforce consistent with micro-entity size and sector (HR services).

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3. Diagnosis: Financial Condition

CREATEABLE HR LIMITED presents a healthy financial profile. The company’s balance sheet shows strong net assets relative to its liabilities, indicating it is solvent and able to meet both short- and long-term obligations comfortably. The increase in fixed assets in 2024 signals investment in infrastructure or tools potentially to support service delivery or expansion.

The company’s working capital (net current assets) remains positive and substantial, a sign of "healthy cash flow" and operational efficiency. Maintaining a current ratio above 4 (current assets to current liabilities) is a positive symptom, reflecting strong liquidity and low risk of short-term distress.

The equity growth from £7,751 in 2020 to £28,837 in 2024 shows steady accumulation of reserves, suggesting profitability or consistent owner funding. The small but stable workforce aligns with the company’s micro-entity status and the human resources sector, which often relies on consultancy services rather than large employee bases.

There are no signs of financial distress such as high liabilities, going concern uncertainties, or negative net assets. The company is not overdue on filings and maintains compliance, reducing regulatory risk.

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4. Recommendations: Improving Financial Wellness

• Monitor Working Capital: While current liquidity is strong, the slight decline in net current assets compared to previous years should be monitored to avoid emerging cash flow issues. Regular cash flow forecasting is advisable.

• Leverage Fixed Asset Investments: Evaluate the return on the recent fixed asset investments to ensure they contribute positively to revenue or operational efficiency.

• Profitability Tracking: Although balance sheet strength is clear, more detailed profit and loss analysis (if available) would help diagnose revenue trends and cost control, aiding strategic planning.

• Maintain Compliance and Governance: Continue timely filing and ensure robust internal controls, especially given the company’s small size and limited resources.

• Growth Planning: Given the stable base, consider strategies for scaling the business, such as expanding client base or service offerings, while maintaining financial discipline.

• Employee Development: With a small team, investing in employee skills can yield high returns in service quality and efficiency.

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Medical Analogy Summary:

CREATEABLE HR LIMITED's financial "vital signs" indicate a company in good health with a strong balance sheet and liquidity "pulse." The "symptoms" show no distress signs—no excessive debts or declining equity—indicating a robust condition. The "diagnosis" is a financially sound micro-business with a positive outlook, though ongoing monitoring is needed to sustain its wellness and support growth strategies.

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