F WISHART SOLUTIONS LTD

Executive Summary

F WISHART SOLUTIONS LTD exhibits a fragile financial position with minimal assets and working capital, indicating potential cash flow stress and limited growth capacity. Immediate actions to improve liquidity and operational management are essential to avoid financial distress. Timely filings and strategic planning will be critical to restoring financial health and supporting future sustainability.

F WISHART SOLUTIONS LTD - Analysis Report

Company Number: 12707133

Analysis Date: 2025-07-20 13:58 UTC

Financial Health Assessment for F WISHART SOLUTIONS LTD

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1. Financial Health Score: D

Explanation:
The company's financial metrics indicate a fragile financial position with minimal net assets (£1), no fixed or current assets beyond prepayments, and current liabilities that closely match accrued income. The lack of positive working capital and asset base suggests limited financial resources to support operations or absorb shocks. The score reflects significant symptoms of financial distress despite continued compliance with filing requirements.

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2. Key Vital Signs

Metric	2023 Value	Interpretation
Fixed Assets	£0	No investment in long-term assets; no physical or intangible capital base.
Current Assets	£0	No cash, receivables, or inventory recorded; very limited liquid resources.
Prepayments & Accrued Income	£5,022	Payments made or income recognized in advance; possibly reflecting bills paid or deferred revenue.
Current Liabilities	£5,021	Obligations due within one year nearly equal to accrued income.
Net Current Assets	£1	Working capital is negligible; essentially a break-even position between short-term assets and liabilities.
Net Assets	£1	Total assets barely exceed liabilities; minimal shareholder equity.
Share Capital	£1	Nominal share capital indicating minimal initial funding.
Employees	0	No staff reported, indicating either a sole director or outsourced operations.
Account Category	Micro	Smallest filing requirements, indicating a very small scale business.
Overdue Accounts Filing	Yes	Accounts are overdue, which may signal administrative or financial management issues.

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3. Diagnosis: Financial Condition Analysis

• Symptoms of Distress:
  The company's balance sheet reveals extremely limited financial resources, with no tangible or current assets aside from prepayments and accrued income. The current liabilities almost exactly offset accrued income, resulting in a net current asset of only £1. This suggests the company is operating on a knife-edge with no buffer to absorb unexpected costs or downturns.

• Cash Flow Concerns:
  The absence of cash or receivables and reliance on prepayments may indicate cash flow constraints. Healthy cash flow is essential for operational stability; here, the company shows no signs of liquid reserves.

• Scale and Growth Potential:
  With zero employees and minimal capital, the company appears to be a very small operation, likely run by the sole director. This limits its capacity to scale or invest in growth.

• Compliance and Governance:
  While the company has overdue accounts, it remains active and has filed recent confirmation statements on time, suggesting some level of administrative attention.

• Industry Context:
  Operating in "Accounting and auditing activities" (SIC 69201), a sector typically requiring trust and financial stability, the weak financial base may impact client confidence or ability to expand services.

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4. Prognosis: Future Financial Outlook

• Short-Term Outlook:
  The company’s survival depends on the director’s ability to manage cash flow and liabilities carefully. Without additional capital or income growth, the company risks insolvency if unexpected expenses arise.

• Medium to Long-Term Outlook:
  For sustainable health, the company must improve its asset base and working capital. Without hiring employees or increasing revenue streams, growth is unlikely.

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5. Recommendations: Steps to Improve Financial Wellness

• Improve Cash Reserves:
  Consider capital injections or increasing sales revenue to build liquid assets. Even modest cash reserves would provide a cushion against financial shocks.

• Manage Liabilities Prudently:
  Negotiate extended payment terms with creditors to ease short-term pressures and improve working capital.

• Regular and Timely Filings:
  Ensure all accounts are filed on time to avoid penalties and maintain good standing with Companies House, improving credibility.

• Explore Business Development:
  Investigate opportunities to increase client base or service offerings in the accounting sector to generate more revenue.

• Consider Financial Planning:
  Develop a cash flow forecast and budget to anticipate periods of strain and plan accordingly.

• Seek Professional Advice:
  Engage with financial advisors or business mentors to devise growth strategies and optimize financial management.

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Medical Analogy Summary

F WISHART SOLUTIONS LTD is currently showing "symptoms" of financial frailty—minimal "vital signs" like cash or assets, and a balance sheet barely in "survival mode." Without intervention, this fragile state could progress to "financial illness," risking insolvency. However, with prompt "treatment" such as capital infusion and improved cash management, the company can stabilize and build resilience.

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