DJB CONSULTING LIMITED

Executive Summary

DJB Consulting Limited exhibits a healthy financial profile characterized by strong liquidity, positive equity growth, and sound working capital management. The company shows no current signs of financial distress and operates efficiently at a micro scale, with good compliance practices. To sustain and enhance financial wellness, focus on cash flow monitoring, strategic growth, and governance enhancements.

DJB CONSULTING LIMITED - Analysis Report

Company Number: 13801119

Analysis Date: 2025-07-29 17:27 UTC

Financial Health Assessment of DJB CONSULTING LIMITED

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1. Financial Health Score: A-

Explanation:
DJB Consulting Limited demonstrates strong financial vitality for a young company (incorporated late 2021). It shows a healthy cash position, solid net current assets, and steadily increasing shareholder funds. The "A-" grade reflects robust liquidity, good working capital management, and positive equity growth, while acknowledging limited financial history and the company’s micro/small scale.

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2. Key Vital Signs

Metric	2023 (£)	2022 (£)	Interpretation
Cash at bank	185,803	127,611	Healthy cash reserves, increased by ~45%, indicating good cash flow and liquidity.
Current Liabilities	44,019	39,389	Manageable short-term debts; increase is proportionate to business growth.
Net Current Assets	141,784	88,222	Strong working capital, showing capacity to meet short-term obligations comfortably.
Shareholders’ Funds (Equity)	141,998	88,222	Equity growth indicates retained earnings or capital infusion, signaling financial robustness.
Tangible Assets (Net)	214	0	Minimal fixed assets, typical for a consultancy; emphasis on intangible value (knowledge).
Employee Count	1	1	Micro-scale operation; low overheads and simple structure.

Additional Notes:

• The company operates under the "Total Exemption Full" accounts filing, typical for a small company, with no audit requirement, which is standard at this scale.
• No overdue filings or overdue accounts, indicating good compliance and governance.
• Director, Mr. Dominic Braganza, holds full control (75-100% shares and voting rights), simplifying decision-making but concentrating risk.

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3. Diagnosis: What the Financial Data Reveals About Business Health

DJB Consulting Limited presents as a financially sound micro-business with the "symptoms" of a healthy and well-managed enterprise. The substantial increase in cash reserves and net current assets suggests:

• Healthy cash flow: The company is generating or maintaining sufficient liquidity to cover its short-term obligations comfortably, which is critical to avoid "cash flow distress."
• Strong equity base: Shareholders’ funds have increased in line with net current assets, implying that profits are being retained or additional capital injected rather than losses being incurred.
• Low fixed asset base: Consistent with a consultancy business that relies primarily on intellectual capital rather than physical assets.
• Stable operations: Employee count remains constant at a lean scale, reflecting controlled cost structure and possibly a sole proprietor/director model.
• Good financial compliance and governance: Timely account and confirmation statement filings reduce regulatory risk.

No signs of financial distress or liquidity crunch are evident. The company’s financial "vital signs" are stable and improving, showing capacity for sustainable growth or to weather minor economic shocks.

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4. Recommendations: Specific Actions to Improve Financial Wellness

• Maintain and monitor cash flow: Continue to track cash inflows and outflows meticulously to sustain the strong liquidity position, especially as business scales. Consider cash flow forecasting tools to anticipate seasonal variations.
• Diversify revenue streams: To enhance resilience, explore expanding consulting services or client base, reducing dependence on a narrow market.
• Build tangible/intangible assets: Although low fixed assets are typical, investing in technology, software, or intellectual property can enhance service delivery and competitive advantage.
• Prepare for growth: If planning to hire or expand, ensure working capital and financing options are in place to support increased operational costs without jeopardizing liquidity.
• Governance and risk management: Although single director control provides agility, consider formal risk management practices and possibly appointing additional directors or advisors to enhance oversight and strategic input.
• Plan for audit and reporting requirements: Should the company grow beyond small company thresholds, prepare for statutory audit and more detailed financial reporting.

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