Company Number: 13210336

Analysis Date: 2025-07-20 15:31 UTC

Financial Health Assessment of F & K Crystal Clean Limited

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1. Financial Health Score: B

Explanation:
F & K Crystal Clean Limited demonstrates a solid and improving financial position with healthy working capital and positive net assets growth over recent years. The company is financially stable with good liquidity, though the small scale and limited fixed assets suggest it is still in a growth or early operational phase. The score "B" reflects a generally healthy condition with some room for strengthening fixed asset base and operational scale.

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2. Key Vital Signs

Metric	2024 Value	Interpretation
Fixed Assets	£2,203	Very modest asset base, typical for a micro entity providing specialized cleaning services.
Current Assets	£65,028	Strong liquidity indicating availability of short-term resources to cover immediate obligations.
Current Liabilities	£17,317	Manageable short-term debts; increase from prior year requires monitoring but currently under control.
Net Current Assets (Working Capital)	£47,711	Healthy working capital, indicating the company can comfortably meet short-term liabilities.
Net Assets / Shareholders’ Funds	£49,638	Positive and growing equity base, showing retained earnings or capital injections are supporting growth.
Share Capital	£2.00	Minimal share capital, typical for micro entities, indicating majority of funds are generated internally.
Employee Count	1 (2024), down from 2 (2023)	Very small workforce consistent with micro entity and specialized services.

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3. Diagnosis

The financial "vital signs" reveal a company with a "healthy cash flow" scenario and "strong liquidity pulse." The large jump in current assets from £30,028 in 2023 to £65,028 in 2024 suggests improved cash or receivables management, possibly growth in business or better credit terms. Simultaneously, current liabilities have increased but remain well covered by current assets, maintaining a strong working capital buffer.

The low fixed asset base is typical for service-oriented micro companies and is not a concern unless the company plans capital-intensive expansion, which might require investment in equipment or property.

The net assets have doubled from £24,017 in 2023 to £49,638 in 2024, signaling retained profits or capital contributions bolstering the company’s financial foundation.

The reduction in average employees from 2 to 1 is a mild "symptom" to watch — it could indicate increased automation, outsourcing, or possibly downsizing. It is not alarming but worth monitoring for impact on operational capacity.

No signs of financial distress such as negative working capital or declining equity are present. The company is currently compliant with filing deadlines and shows no overdue returns or accounts, a "healthy compliance vital sign."

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4. Recommendations

• Maintain strong working capital management: Continue monitoring current assets and liabilities closely to sustain liquidity, especially as liabilities have increased.

• Consider modest fixed asset investment: If growth plans include expanding service capacity or efficiency, evaluate acquiring additional equipment to support operations.

• Monitor workforce capacity: Ensure that reduced employee numbers do not constrain service delivery or growth potential.

• Plan for scalability: As a micro entity, explore opportunities for scaling operations to move toward small company thresholds, which may enable access to more financing and business opportunities.

• Financial forecasting: Implement regular cash flow and profit forecasting to anticipate future funding needs or investment timing.

• Compliance vigilance: Maintain timely submission of accounts and returns to uphold regulatory standing and avoid penalties.

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