FINTEL INVESTMENTS LIMITED

Executive Summary

FINTEL INVESTMENTS LIMITED is currently dormant with minimal financial activity, reflecting a stable but inactive financial condition. There are no signs of financial distress, but the absence of operational cash flows and assets beyond nominal share capital indicates the company is not yet a living business entity. To improve financial wellness, activating business operations or clearly defining the company’s strategic purpose is essential.

FINTEL INVESTMENTS LIMITED - Analysis Report

Company Number: 12572794

Analysis Date: 2025-07-29 18:36 UTC

Financial Health Assessment Report: FINTEL INVESTMENTS LIMITED

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1. Financial Health Score: Grade C

Explanation:
The company is classified as dormant with minimal financial activity, resulting in a static and minimal balance sheet. This status implies no active trading or operational cash flows. While there are no signs of financial distress, the company’s financial vitality is essentially in stasis. Thus, it is neither robustly healthy nor showing symptoms of distress but rather a state of "financial hibernation." The score reflects a neutral position—no active financial health risks but also no growth or operational vitality.

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2. Key Vital Signs

Metric	Latest Value (£)	Interpretation
Cash at Bank	100	Very limited liquidity; essentially a symbolic amount supporting dormant status.
Net Assets	100	Extremely low asset base; no accumulation of capital beyond initial share capital.
Shareholders' Funds	100	Equal to net assets; reflects no retained earnings or reserves.
Trading Activity	None (Dormant)	No revenue or expenses reported; indicates no operational business activity.
Filing Status	Up to date	Compliant with statutory filing requirements; no penalties or overdue filings.
Control Structure	Concentrated	One individual controls 75-100%, indicating clear ownership and control, but limited external input.

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3. Diagnosis

FINTEL INVESTMENTS LIMITED is currently in a dormant state, meaning it has had no significant financial transactions or trading activities during the assessed financial years. The company maintains a minimal cash balance equal to its share capital, indicating no operational cash inflows or outflows. This absence of activity means the company is not currently generating revenue or incurring costs, effectively placing it in a "financial coma" rather than an active business state.

From a financial health perspective, there are no symptoms of distress such as negative net assets, liabilities exceeding assets, or liquidity issues. However, the company is not exhibiting any signs of growth or operational vitality either. Its financial "vital signs" are stable but minimal, akin to a patient in remission or on a long-term rest, with no active treatment or progression.

The control by a single majority shareholder provides governance clarity but could also mean limited strategic input unless this shareholder chooses to activate operations.

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4. Recommendations

For Revival or Growth:

• Activate Business Operations: If the company plans to resume trading, a thorough business plan should be developed to outline revenue generation, cost management, and investment needs.
• Capital Injection: Consider increasing working capital beyond the minimal share capital to enable operational activities and absorb initial expenses.
• Financial Monitoring: Implement regular financial monitoring to track cash flow, profitability, and asset growth once active.
• Governance Review: With concentrated ownership, consider formalizing governance structures to support strategic growth and risk management.

If Dormancy Continues:

• Maintain Compliance: Continue timely filing of dormant accounts and confirmation statements to avoid penalties.
• Assess Purpose: Regularly evaluate the strategic purpose of keeping the company dormant versus dissolving if no future use is planned, to avoid unnecessary administrative costs.
• Consider Asset Holding Strategy: If the company is intended as a holding vehicle for real estate (as suggested by SIC codes), prepare for eventual asset acquisition and ensure readiness for accounting and tax implications.

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