F20UEL CONSULTING LIMITED
Executive Summary
F20UEL CONSULTING LIMITED is in the early stages of its business lifecycle with minimal financial buffers and limited trading activity. The company’s current cash position is adequate but working capital is critically low, signaling a fragile financial condition. Strengthening capital and boosting revenues should be priorities to improve its financial resilience and long-term viability.
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This analysis is opinion only and should not be interpreted as financial advice.
F20UEL CONSULTING LIMITED - Analysis Report
Financial Health Assessment for F20UEL CONSULTING LIMITED
1. Financial Health Score: D
Explanation:
F20UEL CONSULTING LIMITED is in its infancy, having been incorporated in late 2023 and reporting its first financial year ending September 2024. The company shows a near break-even financial position with minimal net assets (£4) and extremely tight working capital (net current assets of £4). This score reflects a business with very limited financial buffer and early-stage operational footing, which is common but signals vulnerability to short-term financial shocks.
2. Key Vital Signs
Metric | Value | Interpretation |
---|---|---|
Current Assets | £15,255 | Sufficient short-term resources, mainly cash, indicating liquidity presence but small scale. |
Cash at Bank | £14,748 | Healthy cash flow presence relative to total assets, positive sign for meeting immediate obligations. |
Debtors | £507 | Very low trade receivables, indicating low sales or early trading status. |
Current Liabilities | £15,251 | Almost equal to current assets, creating a razor-thin working capital margin. |
Net Current Assets | £4 | Critical “pulse” showing working capital is barely positive, which is a warning sign for operational flexibility. |
Net Assets / Shareholders Funds | £4 / £3 | Minimal equity base, reflecting very early stage or limited capital injection. |
Turnover | Not disclosed | No turnover figures available, but low debtors suggest low revenue. |
Employee Count | 1 | Minimal human resources, consistent with micro or start-up phase. |
3. Diagnosis: What The Financial Data Reveals About Business Health
Early Stage / Start-up Condition: The company is newly formed and has filed its first accounts. The balance sheet shows minimal net assets and almost equal current assets and liabilities, indicating it is just managing to cover short-term obligations.
Liquidity: The “healthy cash” holding of £14,748 is a positive vital sign, like a good heartbeat, showing the company currently has sufficient cash to meet immediate expenses and creditors.
Working Capital: The net current assets of £4 is barely above zero, akin to a patient with very low blood pressure — the company has almost no buffer to absorb unexpected costs or delays in payments. This is a symptom of financial fragility.
Capital Structure: The equity base is extremely low at £4 with only £1 share capital, showing minimal investor funding and reliance likely on director funding or loans. This means risk for insolvency is elevated if cash flow deteriorates.
Revenue and Profitability: No turnover or profit figures were disclosed, but the low debtor balance and minimal retained earnings (£3 in P&L reserve) suggest limited trading activity and negligible profits.
Compliance and Governance: The company is active, compliant with filing deadlines, and controlled wholly by a single director and shareholder, Mr. Neal Geoffrey Betchley. This centralised control can be both a strength and risk depending on management capabilities.
4. Recommendations: Actions to Improve Financial Wellness
Increase Working Capital:
Inject additional capital or secure short-term financing to build a working capital buffer. This will improve the company's ability to withstand cash flow shocks, much like administering fluids to stabilize blood pressure.Boost Revenue Generation:
Prioritise sales and marketing efforts to increase turnover. Track and report turnover figures transparently to monitor business growth and symptom improvement.Cost Management:
Maintain tight control on operating expenses to preserve cash flow. Avoid unnecessary expenditures until a stable revenue stream is established.Financial Forecasting and Monitoring:
Implement regular cash flow forecasting and financial monitoring to detect early signs of distress. Think of this as routine health check-ups to catch issues before they become critical.Consider External Advice:
Engage with financial advisors or accountants to plan for sustainable growth strategies, funding options, and governance improvements.
Executive Summary
F20UEL CONSULTING LIMITED is a newly formed, micro-sized company with minimal working capital and a very small equity base, indicating a fragile financial condition typical of early-stage businesses. While it currently holds a healthy cash balance, its razor-thin net current assets highlight vulnerability to cash flow disruptions. Immediate focus on capital injection and revenue growth is essential to strengthen its financial health and ensure sustainable operations.
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